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
1-877-588-4274
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
Submitted by consumers. We try to verify these reports but cannot always confirm them.
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 | |
| Local Office | |
| Local Office | |
| User Reported | |
| 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 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.
Will General Credit Services affect my credit score?
A collection account from General Credit Services 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. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Check your own report to see whether General Credit Services has reported the account and whether the information is correct.
What to do if General Credit Services 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 General Credit Services 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, General Credit Services 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
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 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 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 General Credit Services
Send General Credit Services 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 General Credit Services 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 General Credit Services
If you think that General Credit Services 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.
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
Common variations
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
groupe Solution Collect
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.
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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.