Gatestone & Co.

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 locations in Montréal, Brantford, Edmonton and Surrey.

If Gatestone contacts you, ask for written proof of the debt before you share any personal details or make 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.

Why 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, threatens arrest, or demands payment by gift card or cryptocurrency, 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.

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.

Source: OECM – Collection Agency Services

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 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.

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.

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 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 have this in writing.

Step 2: Don't confirm the debt is yours until you've reviewed the details. If Gatestone asks for personal information before sending written proof, say no.

Step 3: Protect your personal information. Don't share your address, date of birth, or banking details until you're sure the contact is real and the debt is yours.

Step 4: Dispute the debt in writing if it is wrong. Ask for proof. Keep copies of everything.

Step 5: Send a written request to stop calls if you want phone contact to end. This won't erase the debt or prevent legal action, but it can stop the calls. Check the rules in your province first.

Step 6: Talk to a Licensed Insolvency Trustee if the debt is real and you can't pay. The first consultation is free.

Source: Government of Canada (FCAC) – Dealing with a debt collector