Kingston Data & Credit

What is Kingston Data & Credit?

Kingston Data & Credit is a debt collection agency that helps businesses recover unpaid debts. They offer accounts receivable management, credit reporting, trace services, and credit management consulting across Canada and the United States. The company is based in Cambridge, Ontario, and has been operating for over 30 years.

They collect debts for a variety of creditors, including telecommunications companies, banks, government agencies, healthcare providers, utilities, education and student loans, commercial businesses, credit card companies, and retail stores. Consumers report that Kingston Data & Credit is persistent with phone calls but also offers payment arrangements and settlements.

Why is Kingston Data & Credit calling me?

If you’ve received a call from Kingston Data & Credit, it usually means they’re trying to recover an unpaid debt on behalf of a creditor.

If you’re unsure why they’re calling, ask for written verification of the debt before sharing any personal information or making a payment.

Kingston Data & Credit collects for:

• Ambulance services (noted in multiple consumer reports)
• Telecommunications companies (phone, internet, cable)
• Banks and financial institutions
• Government agencies
• Healthcare providers and hospitals
• Utilities (hydro, gas, water)
• Education and student loans
• Commercial businesses
• Credit card companies
• Retail stores

Is Kingston Data & Credit a legitimate collection agency?

Yes, Kingston Data & Credit is a legitimate debt collection agency established over 30 years ago. They operate in multiple provinces in Canada and the United States and are licensed with provincial governing ministries. However, scammers sometimes impersonate collection agencies, so always verify any debt in writing before paying.

Your rights when a debt collection agency like Kingston Data & Credit contacts you

Debt collectors and collection agencies must follow a code of conduct outlining what they can and cannot do:

• Every time a debt collector contacts you, they must identify themselves.
• Debt collectors can only contact you during specified hours, usually between 7 AM and 9 PM (but exact times depend on your province)
• They cannot make false or misleading representations to collect a debt.
• Debt collectors may not harass, threaten or intimidate you.
• Debt collectors may not use threatening, profane, intimidating or coercive language.
• Debt collectors may not apply undue, excessive or unreasonable pressure.
• Ask for written proof before answering questions, providing personal information, or paying anything.
• A debt collector can't contact you at work once you've told them not to.

What to do if a debt collection agency like Kingston Data & Credit contacts you

1. Ask for written verification of the debt.
2. Don't acknowledge that you owe the debt or supply sensitive information until you've verified it.
3. If you want the phone calls to stop, you can request in writing that the collection agency stop calling, but this won't prevent further legal action.
4. If you don't think you owe money, dispute the debt and ask for written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.