At a glance MAC Financial Recovery Inc, also operating as MAC Financial Recovery Canada Inc, is a debt buyer and collection agency based in Mississauga, Ontario.
MAC Financial Recovery buys unpaid consumer debts and collects on them directly.
If they contact you, ask for written verification of the debt before sharing personal details or making any payments.
What is MAC Financial Recovery?
MAC Financial Recovery Inc. is a Canadian debt buyer that purchases unpaid consumer accounts from original creditors and collects on them.
The company's head office is located in Mississauga, Ontario.
Contact MAC Financial Recovery
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit agency websiteWhy is MAC Financial Recovery calling me?
MAC Financial Recovery is calling because it bought a debt originally owed to another company. The original creditor sold your account to MAC Financial Recovery, which now owns it.
The debt is sometimes genuine, but mistakes happen. Old debts, already settled accounts, and debts that belong to someone else all end up in collections, too.
Don't confirm anything over the phone. Ask for details on the debt, including the amount owed, the original creditor, and when the debt originated.
Tell MAC Financial Recovery you'll call back after you've verified the information.
Check your bills and bank statements to confirm the debt is yours, and the amount is correct.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Who does MAC Financial Recovery collect for?
MAC Financial Recovery doesn't collect on commission for other companies. It buys the debt outright. Once MAC Financial Recovery purchases an account, the original lender is out of the picture.
Some BBB complaints and reviews mention debts originally owed to easyfinancial and easyhome (both goeasy Ltd. brands).
Source: Better Business Bureau – MAC Financial Recovery Complaints
Ask for documentation proving MAC Financial Recovery purchased your specific account. A debt buyer that can't produce a purchase agreement is on shaky ground.
Companies that use MAC Financial Recovery for debt collection
Reported by consumers
Know another company MAC Financial Recovery collects for?
MAC Financial Recovery phone numbers
These numbers are commonly associated with MAC Financial Recovery:
| 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 MAC Financial Recovery, verify the debt in writing and confirm the details before paying.
Is MAC Financial Recovery legitimate?
Yes. MAC Financial Recovery Inc. is a legitimate collection agency that has operated in Canada since 2008.
MAC Financial Recovery is BBB accredited with a B rating, accredited since May 2014.
Source: Better Business Bureau – MAC Financial Recovery
Is MAC Financial Recovery a licensed collection agency in Ontario?
Mac Financial Recovery (canada) Inc., operating as MAC Financial Recovery, 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 |
|---|---|---|---|---|
| Mac Financial Recovery (canada) Inc. | Mississauga, ON | 4713907 | Issued | Oct 6, 2026 |
Source: Government of Ontario – Search for a business licence (March 2026)
Is MAC Financial Recovery a licensed collection agency in Alberta?
MAC Financial Recovery (canada) Inc., operating as MAC Financial Recovery, 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 |
|---|---|---|---|---|
| MAC Financial Recovery (canada) Inc. | — | — | Yes | Dec 31, 2026 |
Source: Service Alberta – Find out if a Business is Licenced (March 2026)
Is MAC Financial Recovery a licensed collection agency in Québec?
MAC Financial Recovery operates in Québec under the French corporate name Recouvrement Financier MAC Inc.
The company is registered as a collection agency under the Consumer Protection Act, with oversight from the Office de la protection du consommateur (OPC).
Legal name | Location | Permit number | Expiry |
|---|---|---|---|
Recouvrement Financier MAC Inc. | Mississauga, ON | 400437 | July 31, 2027 |
Source: Office de la protection du consommateur (March 2026)
Is MAC Financial Recovery a licensed collection agency in British Columbia?
MAC Financial Recovery holds a debt collection licence in British Columbia issued by Consumer Protection BC.
Name | Licence number | Status | Expiry |
|---|---|---|---|
Mac Financial Recovery (Canada) Inc | 46381 | Issued | 2026-12-31 |
Source: Consumer Protection BC – Check a licence
Your rights when MAC Financial Recovery contacts you
Debt collection rules vary by province. Here's what MAC Financial Recovery can't do.
MAC Financial Recovery can't make false or misleading statements, use threatening language, or apply unreasonable pressure. MAC Financial Recovery can't keep contacting you at work after you've told them to stop.
Every time MAC Financial Recovery contacts you, it has to identify itself.
Source: Government of Canada (FCAC) – Debt collection: know your rights
How to spot a scam
Scammers sometimes impersonate debt collectors, including real companies like MAC Financial Recovery.
A scammer refuses to name the original creditor, threatens arrest or deportation, demands payment by gift card or cryptocurrency, and won't send anything in writing.
Verify the debt using contact details from the official website before paying.
Source: Government of Canada (FCAC) – Dealing with a debt collector
What if the debt is old?
Every province has a time limit on how long a collection agency like MAC Financial Recovery 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, MAC Financial Recovery 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 MAC Financial Recovery from calling
If you want phone calls to stop, send MAC Financial Recovery 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 MAC Financial Recovery
If MAC Financial Recovery 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
MAC Financial Recovery locations
Locations that MAC Financial Recovery 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
MAC Financial Recovery Inc.
Also known as
MAC Financial Recovery Canada Inc.
MAC Financial Recovery (Canada) Inc.
Agence de recouvrement Financier MAC
FAQs
MAC Financial Recovery can't garnish your wages or freeze your bank account on its own. It needs a court judgment first. Only after a court order can a collection agency pursue wage garnishment or bank seizure.
Source: Government of Canada (FCAC) – Dealing with a debt collector
MAC Financial Recovery can contact your family or employer only to get your contact information. It can't discuss your debt with them. Once MAC Financial Recovery has your details, it has to stop contacting other people.
If MAC Financial Recovery keeps calling them about the debt, file a complaint with your provincial consumer protection office.
Source: Government of Canada (FCAC) – Debt collection: know your rights
No. MAC Financial Recovery must follow provincial rules on call times. In most provinces, calls are restricted to 7 a.m. to 9 p.m. Monday to Saturday, with no calls on Sundays or statutory holidays.
Source: Government of Canada (FCAC) – Debt collection: know your rights
Yes. MAC Financial Recovery reports to credit bureaus. A collection entry stays on your credit report for 6 years from the date of first delinquency on the account in most provinces.
Because MAC Financial Recovery is a debt buyer, the entry appears under MAC Financial Recovery's name, not the original creditor's.
Source: Equifax Canada – How long does information stay on my credit report?
Yes. MAC Financial Recovery bought your debt for less than the full amount, so you can negotiate. Offer a lump sum for less than the full balance or set up a payment plan.
Get the agreement in writing before making a payment. If you're paying less than the full amount, the agreement must specify that the debt is settled in full.
No. MAC Financial Recovery is a debt buyer that purchased your account from the original creditor. The original creditor no longer owns the debt. Your payment goes to MAC Financial Recovery.
Contact Equifax or TransUnion directly to file a dispute. The credit bureau typically investigates within 30 days. Meanwhile, send MAC Financial Recovery a written dispute letter with any evidence showing the debt is incorrect.
Source: TransUnion Canada – Credit report disputes and complaints
A debt buyer is a company that purchases unpaid accounts from original creditors for a fraction of the original amount. MAC Financial Recovery is a debt buyer. Once MAC Financial Recovery buys the debt, it owns the account and collects for itself.
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.