At a glance Gatestone & Co. Inc. is a Canadian debt collection agency and business process outsourcing (BPO) company headquartered in North York, Ontario. Gatestone has offices across Canada, including Montréal, Brantford, Edmonton and Surrey.
If Gatestone contacts you, ask for written proof of the debt before sharing any personal details or making any payments.
Debt collection rules differ by province. Every province has rules against harassment, false statements and contact outside permitted hours.
What is Gatestone?
Gatestone & Co. Inc. is a debt collection agency and contact centre that also provides customer care, technical support and back-office outsourcing. The company was founded in 1978 and is headquartered in North York, Ontario. Gatestone operates in both Canada and the United States.
Gatestone handles first-party and third-party debt collection for banks, telecommunications companies, government agencies, utilities and healthcare providers.
Contact Gatestone & Co.
1-800-678-3052
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy is Gatestone calling me?
A call, letter, text message, email or voicemail from Gatestone means a creditor has placed your account with them for collection.
Sometimes the debt is yours. Sometimes it's old, already paid or belongs to someone else entirely. BBB complaints show Gatestone contacts people frequently, sometimes with automated calls and sometimes for accounts the person doesn't recognize.
Don't confirm anything over the phone. Ask for written verification first. If the caller refuses to identify the original creditor, hang up and verify through Gatestone's official website.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Who does Gatestone collect for?
Gatestone collects for banks, credit card companies, telecommunications providers, government agencies, utilities, healthcare providers and educational institutions.
Gatestone also handles collections for the Ontario Educational Collaborative Marketplace (OECM), covering debts from emergency loans, daycare, student residence fees and tuition.
Industry | Consumer-reported examples |
|---|---|
Credit cards | American Express, Capital One |
Telecommunications | Rogers |
Government / Education | Student loans, tuition fees, MTO |
Healthcare | Hospitals, medical services |
Note: the companies listed above are gathered from user-submitted entries, consumer reports, online discussions, and public records. They do not represent confirmed contractual relationships with Gatestone.
Companies that use Gatestone & Co. for debt collection
Submitted by consumers. We try to verify these reports but cannot always confirm them.
Know another company Gatestone & Co. collects for?
Gatestone & Co. phone numbers
These numbers are commonly associated with Gatestone & Co.:
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| User Reported | |
| User Reported | |
| User Reported |
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
Got a call from a number not shown here?
If you receive a call from a different number claiming to be Gatestone & Co., verify the debt in writing and confirm the details before paying.
Is Gatestone a legitimate collection agency?
Yes. Gatestone & Co. Inc. is a legitimate debt collection agency dating back to 1978. Gatestone is headquartered in North York, Ontario, and publicly lists its address and phone numbers.
Gatestone is not BBB accredited. Gatestone is a member of the Canadian Society of Collection Agencies, ACA International, and the Credit Association of Greater Toronto.
Will Gatestone & Co. affect my credit score?
A collection account from Gatestone & Co. will severely damage your credit score once it's reported to Equifax or TransUnion.
It stays on your credit report for 6 years from the date of your first missed payment. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Check your own report to see whether Gatestone & Co. has reported the account and whether the information is correct.
What to do if Gatestone & Co. calls you (step by step)
Step 1: Ask for written verification. Get the original creditor's name, amount, account number and the date of last activity. Don't confirm anything until you've reviewed it in writing.
Step 2: Don't share personal details. No address, date of birth or banking information until you've confirmed the debt is yours.
Step 3: Check your credit report to see what Gatestone & Co. has reported about you. Get your free credit score and report with Borrowell.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Check the statute of limitations in your province before you pay or acknowledge the debt in writing.
Step 6: Settle if the debt is correct. Sometimes, Gatestone & Co. might accept a one-time lump sum for less than the full balance. Get any agreement in writing before you pay.
Step 7: Pay by a traceable method like online banking, e-Transfer, or card. Get a receipt.
Step 8: Get help if you can't pay. Talk to a Licensed Insolvency Trustee or non-profit credit counsellor.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Not in Ontario, Alberta, BC, Nunavut or the NWT? Find a trustee in your province
What if the debt is old?
Every province has a time limit on how long a collection agency like Gatestone & Co. can sue you for an unpaid debt.
| Province / Territory | Limitation period |
|---|---|
| Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia | 2 years |
| Quebec | 3 years |
| Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon | 6 years |
Once the limitation period expires, Gatestone & Co. can still sue you, but you can raise the expired limitation period as a complete defence. The defence isn't automatic. You have to file a defence in court and plead the expired limitation period. If you don't, the court will grant default judgment as if the limitation didn't apply.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired.
These limitation periods apply to most consumer debts like credit cards, lines of credit, and personal loans. Different rules may apply to government debts, court judgments, or secured debts like mortgages.
For more information, read our guide about debt statute of limitations.
How to stop calls from Gatestone & Co.
Send Gatestone & Co. a cease and desist letter. Once they receive it, they have to stop phoning. The debt doesn't go away, and they can still take legal action.
Use our cease and desist letter templates
Provincial law doesn't give you this right in Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island or the Yukon.
However, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. If Gatestone & Co. is physically based in Ontario, use Ontario's law instead.
Read more: How to stop collection calls in Canada.
Accreditations
Gatestone & Co. locations
Locations that Gatestone & Co. operate in:
Provinces served
- Alberta
- British Columbia
- Manitoba
- New Brunswick
- Newfoundland and Labrador
- Northwest Territories
- Nova Scotia
- Nunavut
- Ontario
- Prince Edward Island
- Quebec
- Saskatchewan
- Yukon
Legal Name
Gatestone & Co Inc.
Also known as
Gatestone & Co
Gatestone and Co
Gatestone BPO
Common variations
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
Gatestone Collections
Gatestone Credit Collection
Gate Stone Collection Agency
How to file a complaint about Gatestone
If Gatestone & Co doesn't follow the debt collection rules, contact the consumer protection authority in your province.
Before filing, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
You can also file a complaint through the Better Business Bureau (BBB).
Ontario's Ministry of Public and Business Service Delivery has previously taken enforcement action against Gatestone. As of February 2026, Gatestone appears on Ontario's Consumer Beware List.
FAQs
Ask for written verification showing the original creditor's name and the amount owed. Don't pay until you've confirmed the debt is yours.
BBB complaints indicate that Gatestone sometimes contacts people about accounts they don't recognize. Check your credit report and compare it against the details Gatestone provides.
Not without a court judgment. To garnish your wages or freeze your bank account, a creditor needs to sue you and win. A phone call from Gatestone does not mean they have a judgment against you.
Gatestone can contact third parties to find your current address or phone number. Gatestone cannot discuss your debt with anyone else. If you tell them to stop calling your workplace, they must stop.
Source: Government of Canada (FCAC) – Debt collection: know your rights
No. Every province sets limits on when collection agencies can contact you.
In most provinces, Gatestone can call Monday to Saturday between 7:00 AM and 9:00 PM. Alberta extends that to 10:00 PM.
Sunday calls are allowed between 1:00 PM and 5:00 PM in Ontario and Alberta. Quebec does not allow Sunday calls at all.
No province allows calls on statutory holidays.
Source: Government of Ontario – A guide for collection agencies
Collection accounts stay on your credit report for 6 years from the date of last activity in most provinces, even after you pay.
Source: Government of Canada (FCAC) – How long information stays on your credit report
Yes. You can negotiate a settlement at any point. Get the terms in writing before you pay.
Make sure the agreement confirms the remaining balance is forgiven and specifies how the account will be reported to credit bureaus. Keep copies of everything.
Other collection agencies in Canada
Joe launched CollectionAgencies.ca in 2025. He has worked in Canadian personal finance since 2023. He maintains the directory, researches collection agencies across Canada and manages the site's editorial content. Agency listings are sourced from provincial licensing records and legislation.