At a glance GCQ Canada Inc. is a debt collection agency headquartered in Terrebonne, Quebec, with a second office in Cornwall, Ontario.
GCQ Canada has been operating since 1995 and collects unpaid debts on behalf of Canadian creditors.
If GCQ Canada contacts you, don't confirm anything over the phone. Ask for written verification of the debt first.
What is GCQ Canada?
GCQ Canada Inc. is a debt collection agency that recovers unpaid debts on behalf of Canadian creditors. GCQ Canada's head office is in Terrebonne, Quebec, with a second office in Cornwall, Ontario.
GCQ Canada describes itself as an accounts receivable management firm. Its services include debt recovery, outsourcing, correspondence and data management. The company has been in business since 1995.
Source: GCQ Canada and LinkedIn
Contact GCQ Canada
1-800-566-8944
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy is GCQ Canada calling me?
If GCQ Canada is calling, it's likely a creditor has sent your unpaid account to them for collection.
It's possible that the debt is old and you've forgotten about it. It might even be that the account was sent to GCQ by mistake, or that someone is using their name in a scam.
Ask GCQ Canada to send you written proof of the debt before you confirm any personal details or agree to pay.
Who does GCQ Canada collect for?
GCQ Canada collects debts on behalf of Canadian creditors. Their website does not name specific creditor clients or industries.
Consumers have reported receiving calls from GCQ Canada about debts owed to lenders and financial services companies.
If GCQ Canada contacts you, ask which creditor placed your account and request written verification before confirming anything.
Know a company GCQ Canada collects for?
GCQ Canada phone numbers
These numbers are commonly associated with GCQ Canada:
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| 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 GCQ Canada, verify the debt in writing and confirm the details before paying.
Is GCQ Canada legitimate?
Yes. GCQ Canada Inc. is a real company that has been operating since 1995. GCQ Canada is licensed to collect debts in multiple Canadian provinces, including Ontario and Quebec.
No BBB Canada profile was found for GCQ Canada during research.
Some scammers pose as collection agencies. Always ask for written proof of the debt before you pay anything.
Will GCQ Canada affect my credit score?
A collection account from GCQ Canada 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, known as the date of first delinquency. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Source: Equifax Canada – How long does information stay on my credit report
Check your own report to see whether GCQ Canada has reported the account and whether the information is correct.
What to do if GCQ Canada 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 GCQ Canada 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, GCQ Canada 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 GCQ Canada can sue you for an unpaid debt. In most provinces the limit is 2 years from your last payment or written acknowledgment of the debt. It's 3 years in Quebec and 6 years in the territories, Newfoundland and Labrador, and Prince Edward Island.
| 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, GCQ Canada 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 GCQ Canada
Send GCQ Canada 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 GCQ Canada is physically based in Ontario, use Ontario's law instead.
Read more: How to stop collection calls in Canada.
How to file a complaint about GCQ Canada
In Canada, debt collection is regulated province by province, not federally. The rules ban harassment, calling outside set hours, discussing your debt with your family or employer, and threatening legal action they have no intention of taking.
Source: Government of Canada (FCAC) – Debt collection: know your rights
If you think that GCQ Canada is breaking any 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.
GCQ Canada locations
Locations that GCQ Canada 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
GCQ Canada Inc.
FAQs
GCQ Canada can garnish your wages, but only after obtaining a court judgment. GCQ Canada has to file a lawsuit, win, and then apply for a separate garnishment order. They can't take money directly from your pay without a court order. Garnishment rules vary by province.
Yes. A debt sent to GCQ Canada can result in an R9 rating on your credit report (the worst possible rating), which will damage your credit score.
In most provinces, collections stay on your credit report for six years. Paying the collection doesn't remove it. It just changes the status to paid.
Source: Equifax Canada – How Long Does Information Stay on My Credit Report?
Yes. GCQ Canada can accept a lump-sum payment for less than the full amount or set up a monthly payment plan. Get any agreement in writing before you pay.
A settlement shows as "settled" rather than "paid in full" on your credit report, but it clears the account.
The debt doesn't go away. GCQ Canada can continue contacting you. If GCQ Canada gets a court judgment, they can garnish your wages or freeze money in your bank account.
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.