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
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit GCQ Canada 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 another company GCQ Canada collects for?
GCQ Canada phone numbers
These numbers are commonly associated with GCQ Canada:
| Phone number | Type |
|---|---|
| Main | |
| General |
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.
Is GCQ Canada a licensed collection agency in Ontario?
GCQ Canada 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 |
|---|---|---|---|---|
| GCQ Canada Inc. | Cornwall, ON | 4728491 | Issued | May 29, 2027 |
Source: Government of Ontario – Search for a business licence (March 2026)
Is GCQ Canada a licensed collection agency in Quebec?
GCQ Canada 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 |
|---|---|---|
| GCQ Canada Inc. | TERREBONNE, QC | 400258 |
Source: Office de la protection du consommateur (March 2026)
Is GCQ Canada a licensed collection agency in Alberta?
GCQ Canada Inc. is registered in Alberta as a collection agency under the Collection and Debt Repayment Practices Regulation. The table below shows the confirmed licence record as of March 2026.
| Business Name | Trading As | Location | Bonded | Expiry |
|---|---|---|---|---|
| GCQ Canada Inc. | — | Edmonton, AB | Yes | Sep 30, 2026 |
Source: Service Alberta – Find out if a Business is Licenced (March 2026)
Is GCQ Canada a licensed collection agency in British Columbia?
GCQ Canada Inc. holds a debt collection licence in British Columbia issued by Consumer Protection BC.
The table below shows confirmed licence records as of March 2026.
Licence number | Business name | Address | Expiry |
|---|---|---|---|
64530 | GCQ Canada Inc | 1450 boul, Grande-Allée Terrebonne QC J6W 6B7 | 2026-12-31 |
Source: Consumer Protection BC – Check a licence
What to do if GCQ Canada 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 GCQ Canada 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 GCQ Canada 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 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 collection agency like GCQ Canada can sue you for an unpaid debt. As of March 2026:
| 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 defence. If you do, courts will typically dismiss the case.
Making a payment or acknowledging the debt in writing can restart the limitation period in some provinces. If you're unsure whether a debt is still within the limitation period, get legal advice before making any payment.
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 GCQ Canada from calling
If you want phone calls to stop, send GCQ Canada 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
How to file a complaint about GCQ Canada
If GCQ Canada 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).
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
I'm Joe Conlon, and I built CollectionAgencies.ca after struggling to find reliable information about collection agencies. I've been working in and around Canadian consumer finance since 2023. I'm not a lawyer, debt counsellor, or financial advisor. Everything on this site comes from provincial licensing records, legislation and publicly available data.