MetCredit

What is MetCredit?

MetCredit is a debt collection agency that helps businesses recover unpaid debts.

They have been in business since 1973 and have offices in Vancouver, Edmonton, Toronto, and Montréal, serving clients across Canada.

MetCredit works with all kinds of businesses, from small startups to major banks, telecom companies, and large retailers.

Many consumers report that MetCredit is persistent with phone calls and also uses emails and texts to follow up.

Why is MetCredit calling me?

If you've received a call from MetCredit, they're probably 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.

MetCredit collects for:

• Rogers Communications (telecommunications)
• Bell Canada (telecommunications)
• TD Bank (financial institutions)
• Canadian Imperial Bank of Commerce (CIBC) (financial institutions)
• Government agencies
• Healthcare providers and hospitals
• Utilities (hydro, gas, water)
• Education and student loans
• Commercial businesses
• Credit card companies
• Retail stores

Is MetCredit a legitimate collection agency?

Yes, MetCredit is a legitimate debt collection agency that has been around since 1973. They are licensed and bonded to collect debts in every province and territory in Canada.

But keep in mind that scammers sometimes pretend to be collection agencies. Always ask for written proof of the debt before you pay anything.

Your rights when a debt collection agency like MetCredit contacts you

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

• Every time a debt collector contacts you, they must identify themselves.
• They can only call you during certain hours, usually between 7 AM and 9 PM, but the exact times depend on where you live.
• 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 of the debt before you answer questions, share personal information, or make any payments.
• 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 MetCredit contacts you

1. Request written proof of the debt.
2. Do not admit you owe the debt or give out sensitive information until you have confirmed it is legitimate.
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 the money, dispute the debt and request written proof.
5. Speak with a Licensed Insolvency Trustee for free advice about your debts.