At a glance General Credit Services Inc. (also known as General CSI and GCS) is a Canadian debt collection agency headquartered in Vancouver, British Columbia.
If General Credit Services 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 General Credit Services?
General Credit Services Inc. is a debt collection agency founded in 2002. Its legacy operations date back to 1967 through acquisitions including Accurate Collection Services, Central Credit Services, Fraser Collection Services and SKYLINK Receivables.
General Credit Services is also referred to as General CSI and GCS.
Since December 2022, General Credit Services has been a wholly owned subsidiary of Everyday People Financial Corp.
The head office is in Vancouver, British Columbia, with additional contact centres in Vaughan, Ontario, and Montréal, Québec.
Source: General Credit Services – About
Contact General Credit Services
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit agency websiteWhy is General Credit Services calling me?
A call, letter, text message, email or voicemail from General Credit Services means a creditor has passed your account to them for collection.
Sometimes the debt is yours. But it could be an old, already paid, or belong to someone else entirely.
Always ask for written verification before confirming anything. Don't share personal details over the phone until you have the debt confirmed in writing.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Who does General Credit Services collect for?
General Credit Services collects for companies across multiple sectors, including telecommunications, financial services, insurance, utilities and government.
Industry | Examples |
|---|---|
Telecommunications | Telus, Koodo (consumer-reported) |
Financial / Lending | Financeit (consumer-reported) |
Insurance | Insurance Corporation of British Columbia (consumer-reported) |
Government | City of Toronto (consumer-reported) |
Banking | Banks and credit card companies |
Auto Finance | Auto finance lenders |
Property Management | Property management companies |
Utilities | Utility providers |
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 General Credit Services Inc.
Companies that use General Credit Services for debt collection
Reported by consumers
Know another company General Credit Services collects for?
General Credit Services phone numbers
These numbers are commonly associated with General Credit Services:
| Phone number | Type |
|---|---|
| Main | |
| General | |
| General |
Got a call from a number not shown here?
If you receive a call from a different number claiming to be General Credit Services, verify the debt in writing and confirm the details before paying.
Is General Credit Services a legitimate collection agency?
Yes. General Credit Services Inc. is a legitimate debt collection agency. General Credit Services publicly lists its offices and contact details across multiple provinces.
General Credit Services is a member of the Canadian Society of Collection Agencies, the Credit Association of Greater Toronto, and the Receivables Management Association.
As of February 2026, General Credit Services is BBB accredited and holds a B rating.
Source: BBB – General Credit Services Inc.
Is General Credit Services a licensed collection agency?
General Credit Services Inc. is registered as a collection agency across multiple provinces. The tables below show confirmed licence records.
Is General Credit Services a licensed collection agency in Ontario?
General Credit Services 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 |
|---|---|---|---|---|
| General Credit Services Inc. | Vaughan, ON | 4699249 | Issued | Jul 12, 2026 |
Source: Government of Ontario – Search for a business licence (March 2026)
Is General Credit Services a licensed collection agency in Quebec?
General Credit Services 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 |
|---|---|---|
| General Credit Services Inc. | Montréal, QC | 400395 |
Source: Office de la protection du consommateur (March 2026)
Is General Credit Services a licensed collection agency in Alberta?
General Credit Services 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 |
|---|---|---|---|---|
General Credit Services Inc. | Edmonton, AB | 2026 | Jan 31, 2027 | Yes |
Source: Government of Alberta – Licensed business search
Is General Credit Services a licensed collection agency in British Columbia?
General Credit Services 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 |
|---|---|---|---|
31821 | General Credit Services Inc. | 1201 West Pender St, Suite 400, Vancouver, BC | 2026-12-31 |
67738 | General Credit Services Inc. | 3300 Highway 7, Unit 611, Vaughan, ON | 2026-12-31 |
71727 | General Credit Services Inc. | 9001 de l'Acadie Blvd, No. 401, Montréal, QC | 2026-12-31 |
79748 | General Credit Services Inc. | 16455 50 St NW, Edmonton, AB | 2026-12-31 |
73515 | General Credit Services Inc. | Mabalacat City, Pampanga, Philippines | 2026-12-31 |
73517 | General Credit Services Inc. | Angeles City, Philippines | 2026-12-31 |
BC requires a licence for each office that contacts BC residents, even if the office is outside BC. General Credit Services also operates under the names Skylink Receivables and Groupe Solution Collect Solu.
Source: Consumer Protection BC – Check a licence
Your rights when General Credit Services contacts you
General Credit Services must comply with provincial debt collection regulations in every province where it operates.
Every province has rules against harassment, false or misleading statements and contact outside permitted hours. The specific rules vary.
Provincial collection rules
The rules that apply to you are based on the province where you live, not where the collection agency is headquartered. Check the regulations for your specific jurisdiction.
Rule | Ontario | Québec | Alberta | British Columbia |
|---|---|---|---|---|
Written notice before calling | Yes. 6-day wait after sending notice. | Yes. | No specific requirement in regulation. | Yes. 5-day wait after sending notice. |
Contact hours (Mon to Sat) | 7:00 am to 9:00 pm | 7:00 am to 9:00 pm | 7:00 am to 10:00 pm (any day) | 7:00 am to 9:00 pm |
Contact hours (Sunday) | 1:00 pm to 5:00 pm | Not permitted | 7:00 am to 10:00 pm | 1:00 pm to 5:00 pm |
Statutory holidays | No contact | No contact | No contact | No contact |
Call frequency limit | 3 times per 7 days (same debt) | No fixed limit. Must not amount to harassment. | 3 times per 7 days (same creditor) | No fixed limit. Must not amount to harassment. |
Contact at work | Must stop if you ask | Must stop if you ask | Must stop if you make other arrangements | Must stop if you ask |
Correct as of March 2026. Rules for other provinces vary. Check with your provincial consumer protection office for the specific rules in your jurisdiction.
Sources: Government of Ontario – Stop collection agency calls, Government of Canada (FCAC) – Debt collection: know your rights, Consumer Protection BC – Debt collection, Government of Alberta – Collection and Debt Repayment Practices Regulation
What to do if General Credit Services 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 General Credit Services 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 General Credit Services 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 collection agency like General Credit Services 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, General Credit Services can still sue you, but you can raise the expired limitation period as a defence. If you do, the court will dismiss the case.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired. 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 General Credit Services from calling
If you want phone calls to stop, send General Credit Services 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 General Credit Services
If General Credit Services 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).
Accreditations
General Credit Services locations
Locations that General Credit Services 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
General Credit Services Inc.
Also known as
General CSI
GCS
FAQs
Yes. General Credit Services Inc. is the legal name. The agency is also referred to as General CSI and GCS. All three names refer to the same collection agency headquartered in Vancouver, British Columbia.
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. Check your credit report and compare it against the details General Credit Services 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 General Credit Services does not mean they have a judgment against you.
General Credit Services can contact third parties to find your current address or phone number.
General Credit Services 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 restricts when collection agencies can contact you.
In most provinces, General Credit Services 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. Québec 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 six 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, and confirm the agreement specifies the remaining balance is forgiven and how the account will be reported to credit bureaus.
General Credit Services Inc. is a wholly owned subsidiary of Everyday People Financial Corp, a Canadian financial services company that trades on the TSX Venture Exchange under the symbol EPF. Everyday People Financial Corp acquired General Credit Services in December 2022.
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.