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.
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit Gatestone & Co. 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
Reported by consumers
Know another company Gatestone & Co. collects for?
Gatestone & Co. phone numbers
These numbers are commonly associated with Gatestone & Co.:
| Phone number | Type |
|---|---|
| Main | |
| General | |
| General | |
| General | |
| General |
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.
Regulatory record
Gatestone & Co. Inc. appears on Ontario's Consumer Beware List.
On April 2, 2024, the Ministry of Public and Business Service Delivery issued a $2,000 administrative penalty under the Collection and Debt Settlement Services Act for "Continued Contact With a Debtor After Disputed Debt, Corporation, Second Instance."
Source: Government of Ontario – Consumer Beware List (February 2026)
Is Gatestone & Co. a licensed collection agency in Ontario?
Gatestone & Co. Inc. is registered in Ontario as a collection agency under the Collection and Debt Settlement Services Act. The table below shows confirmed licence records as of March 2026.
| Legal Name | Location | Licence number | Status | Expiry |
|---|---|---|---|---|
| Gatestone & Co. Inc. | Toronto, ON | 1950535 | Issued | Jan 8, 2028 |
Source: Government of Ontario – Search for a business licence (March 2026)
Is Gatestone & Co. a licensed collection agency in Quebec?
Gatestone & Co. Inc. is registered in Québec as a collection agency and operates under the Consumer Protection Act, with oversight from the Office de la protection du consommateur (OPC). The table below shows the confirmed licence record as of March 2026.
| Legal Name | Location | Permit number |
|---|---|---|
| Gatestone & Co. Inc. | Montréal, QC | 400526 |
Source: Office de la protection du consommateur (March 2026)
Is Gatestone & Co. a licensed collection agency in Alberta?
Gatestone & Co. Inc. is licensed as a collection agency in Alberta under the Consumer Protection Act. The table below shows the confirmed licence record as of February 2026.
Legal name | Location | Licence year | Expiry | Bonded |
|---|---|---|---|---|
Gatestone & Co. Inc. | Edmonton, AB | 2026 | Jan 31, 2027 | Yes |
Source: Government of Alberta – Licensed business search
Is Gatestone & Co. a licensed collection agency in British Columbia?
Gatestone & Co. Inc. holds active debt collection licences issued by Consumer Protection BC. The table below shows confirmed licence records as of February 2026.
Licence number | Business name | Address | Expiry |
|---|---|---|---|
17114 | Gatestone & Co. Inc. | 1500 Don Mills Road, Suite 600, Toronto, ON | 2026-12-31 |
83424 | Gatestone & Co. Inc. | 205 North Front St, Belleville, ON | 2026-12-31 |
83425 | Gatestone & Co. Inc. | 555 rue Chabanel W Suite 400, Montréal, QC | 2026-12-31 |
83426 | Gatestone & Co. Inc. | 33 Sinclair Blvd Unit 4, Brantford, ON | 2026-12-31 |
BC requires a licence for each office that contacts BC residents, even if the office is outside BC.
Source: Consumer Protection BC – Check a licence
What to do if Gatestone & Co. calls you (step by step)
Step 1: Ask for written verification. Get the original creditor's name, the amount claimed, the date of last activity, and the account number. Don't confirm anything until you've reviewed everything 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 own records. Pull your credit report from Equifax or TransUnion and compare it to what Gatestone & Co. sent you.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Negotiate if the debt is correct. You can offer a lump sum for less than the full amount or arrange a payment plan. Get any agreement in writing before you pay.
Step 6: Pay by a traceable method. Collection agencies like Gatestone & Co. typically accept online banking, Interac e-Transfer, credit or debit card through their website, or in person at a bank branch. Always get a receipt.
Step 7: Talk to a Licensed Insolvency Trustee or non-profit credit counselling service if you owe the debt and can't pay.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Only consider a loan or a line of credit if you can comfortably afford the repayments. If you're unsure what to do, speak to a non-profit credit counsellor or a Licensed Insolvency Trustee first.
What if the debt is old?
Every province has a time limit on how long a creditor can sue you.
- 2 years: Ontario, BC, Alberta, Saskatchewan, New Brunswick and Nova Scotia
- 3 years: Quebec
- 6 years: Manitoba, Newfoundland and Labrador, PEI and the territories
Once the limitation period expires, Gatestone can still contact you, but cannot take you to court. Making a payment or acknowledging the debt in writing restarts the clock.
For a full provincial breakdown, see our guide to debt statute of limitations.
How to stop Gatestone & Co. from calling
If you want phone calls to stop, send Gatestone & Co. a written request. It won't erase the debt or prevent legal action, but it stops repeated calls, depending on your province.
Copy and paste this template:
Hello,
I request that you stop contacting me by phone regarding this account and communicate with me only in writing.
Please send written verification of the debt, including:
- The original creditor name
- The amount claimed
- A breakdown of principal, interest and fees
- The account reference number
- The date of last activity on the account
Do not contact me at my workplace.
Thank you,
[Your full name]
[Your mailing address or email]
[Your phone number (optional)]
[Date]
Note: Check your province's rules for any requirements to stop contact.
Source: Government of Canada (FCAC) - Dealing with a debt collector
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 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.