At a glance MetCredit is a Canadian debt collection agency that recovers unpaid debts for businesses. The company's legal name is Metropolitan Credit Adjusters Ltd.
MetCredit has been operating since 1973 and has offices in Edmonton, Mississauga, Vancouver and Montreal.
If MetCredit contacts you, ask for written verification before confirming anything or making any payment.
What is MetCredit?
MetCredit (legally Metropolitan Credit Adjusters Ltd.) is a third-party debt collection agency that recovers unpaid debts on behalf of creditors.
MetCredit is headquartered in Edmonton, with offices in Toronto (Mississauga), Vancouver and Montreal. The company is licensed and bonded in all Canadian provinces and territories.
MetCredit has an in-house legal team. MetCredit can sue you directly without hiring outside lawyers.
Source: MetCredit – About Us
Contact MetCredit
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit MetCredit websiteWhy is MetCredit calling me?
If you've received a call from MetCredit, a creditor has referred your unpaid account to them for collection. MetCredit collects on behalf of the original creditor rather than owning the debt.
The call could also be about an old account you've forgotten about, a mistake on MetCredit's end, a debt you don't recognize, or a scammer using MetCredit's name.
Source: Government of Canada (FCAC) - Dealing with a debt collector
Who does MetCredit collect for?
MetCredit collects on behalf of creditors across several industries.
MetCredit describes itself as a "market leader in telecommunications account collection" in Canada.
The company has dedicated service pages for over 20 industries on its website, including telecom, fitness, tenancy, manufacturing, financial services, healthcare, agriculture, auto deficiency, estate collections and cross-border recovery.
Source: MetCredit – About Us
Consumers report that MetCredit pursues unpaid telecom bills, bank debts, gym memberships, unpaid rent and commercial invoices.
Industry | Consumer-reported examples |
|---|---|
Telecommunications | Rogers Communications, Bell Canada, Koodo (Telus) |
Financial services | TD Bank, CIBC, credit card companies |
Fitness and gyms | Anytime Fitness, gym membership contracts |
Landlords and property managers | Unpaid rent, tenancy arrears |
Healthcare | Hospitals, medical providers |
Utilities | Hydro, gas, water providers |
Retail | Department stores, retail chains |
Government | Government agencies, municipal receivables |
Manufacturing | Manufacturers, industrial suppliers |
Education | Student loans, tuition debt |
Estate collections | Debts owed by deceased individuals' estates |
Commercial / B2B | Professional services, shipping, oil and gas |
Note: The companies listed above are based on consumer reports, BBB complaints and online discussions. They don't represent confirmed business relationships with MetCredit.
Companies that use MetCredit for debt collection
Reported by consumers
Know another company MetCredit collects for?
MetCredit phone numbers
These numbers are commonly associated with MetCredit:
| Phone number | Type |
|---|---|
| Main | |
| General | |
| General | |
| General | |
| General |
Got a call from a number not shown here?
If you receive a call from a different number claiming to be MetCredit, verify the debt in writing and confirm the details before paying.
Is MetCredit legitimate?
Yes. MetCredit (Metropolitan Credit Adjusters Ltd.) is a licensed collection agency that has operated in Canada since 1973. MetCredit is licensed and bonded in all Canadian provinces and territories.
As of March 2026, MetCredit has an A+ rating with the Better Business Bureau.
Source: MetCredit – BBB Business Profile
MetCredit is 100% Canadian owned. All call centres are in Canada, with a team of over 200 staff across four offices.
Source: MetCredit – About Us
Is MetCredit a licensed collection agency in Ontario?
Metropolitan Credit Adjusters Ltd., operating as MetCredit, 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 |
|---|---|---|---|---|
| Metropolitan Credit Adjusters Ltd. | Mississauga, ON | 4463501 | Issued | Oct 22, 2026 |
Source: Government of Ontario – Search for a business licence (March 2026)
Is MetCredit a licensed collection agency in Alberta?
Metropolitan Credit Adjusters Ltd., operating as MetCredit, 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 |
|---|---|---|---|---|
| Metropolitan Credit Adjusters Ltd. | Metcredit | Edmonton, AB | Yes | Dec 31, 2026 |
Source: Service Alberta – Find out if a Business is Licenced (March 2026)
Is MetCredit a licensed collection agency in Quebec?
Metropolitan Credit Adjusters Ltd., operating as MetCredit, 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 |
|---|---|---|
| Metropolitan Credit Adjusters Ltd. | Montréal, QC | 400233 |
Source: Office de la protection du consommateur (March 2026)
Is MetCredit licensed in British Columbia?
Metropolitan Credit Adjusters Ltd., operating as MetCredit, holds active debt collection licences issued by Consumer Protection BC. The table below shows confirmed licence records as of March 2026.
Licence number | Business name | Address | Expiry |
|---|---|---|---|
17098 | Metropolitan Credit Adjusters Ltd. (d.b.a. MetCredit) | 4211 Kingsway, Unit 310, Burnaby, BC V5H 1Z6 | 2026-12-31 |
17099 | Metropolitan Credit Adjusters Ltd. (d.b.a. MetCredit) | 10310 Jasper Ave, Edmonton, AB T5J 2W4 | 2026-12-31 |
45382 | Metropolitan Credit Adjusters Ltd. (d.b.a. MetCredit) | 6860 Century Ave, E300, Mississauga, ON L5N 2V8 | 2026-12-31 |
BC requires a licence for each office that contacts BC residents, even if the office is outside BC.
Source: Consumer Protection BC – Check a licence
What are my rights when MetCredit contacts me?
MetCredit 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 table below covers the four provinces where MetCredit has offices.
Ontario | Quebec | Alberta | British Columbia | |
|---|---|---|---|---|
Written notice before calling | Yes. 6-day wait after sending notice. | Yes. 5-day wait after sending notice. | No specific requirement in regulation. | Yes. 5-day wait after sending notice. |
Contact hours (Mon to Sat) | 7:00 am to 9:00 pm | 8:00 am to 8:00 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 explicit ban in regulation. | 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. The rules differ by province, so check with your provincial consumer protection office for the specific rules in your jurisdiction.
Sources: Government of Ontario – Stop collection agency calls, Office de la protection du consommateur – Rules about communications, Government of Canada (FCAC) – Debt collection: know your rights, Consumer Protection BC – Debt collection, Government of Alberta – Collection and Debt Repayment Practices Regulation
How to spot a collection scam
Scammers sometimes impersonate collection agencies, including MetCredit.
Watch for anyone who refuses to identify the original creditor, threatens arrest, jail or deportation, or demands immediate payment by e-transfer, gift card or cryptocurrency. Refusing to provide written verification is another warning sign.
If the phone number doesn't match MetCredit's published contact information, treat it as suspicious.
Verify the debt using contact details from MetCredit's official website (metcredit.com) before you pay anything.
Source: Government of Canada (Office of Consumer Affairs) – Debt collection agencies
What to do if MetCredit 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 MetCredit 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 MetCredit 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.
How MetCredit affects your credit report
MetCredit reports delinquent accounts to TransUnion, Equifax and Dun & Bradstreet, as well as specialized regional and industrial credit bureaus.
A collection entry from MetCredit stays on your credit report for six years from the date of first delinquency, even if you pay the balance.
Source: Government of Canada (FCAC) – How long information stays on your credit report
What if the debt is old?
Every province has a time limit on how long a collection agency like MetCredit 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, MetCredit 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 MetCredit from calling
If you want phone calls to stop, send MetCredit 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 MetCredit
If MetCredit 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
MetCredit locations
Locations that MetCredit 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
Metropolitan Credit Adjusters Ltd
Also known as
MetCredit
MetCredit.com
MetCredit®
Metropolitan Credit
Metropolitan Credit Adjusters
Agence de recouvrement de crédit métropolitain
Crédit Métropolitain
CréditMet
CréditMet
Recouvrement de crédit métropolitain
Common variations
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
Met Collection Agency
MetCredit Collection Agency
Metropolitan Credit
FAQs
Yes. MetCredit's legal name is Metropolitan Credit Adjusters Ltd. Both names refer to the same company. MetCredit is just the trade name being used. Metropolitan Credit Adjusters Ltd. is the name registered with provincial regulators.
Get written verification first. The debt could be something you forgot about, an old account that was sold, a mistake on MetCredit's end, or a scam. Don't admit to anything until you've confirmed it's legitimate.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Not without a court judgment. A collection call or letter from MetCredit doesn't give them that power. They have to sue you first and obtain a court order before any garnishment or account freeze can happen.
MetCredit can contact third parties only to get your phone number or address. If you tell MetCredit to stop calling your workplace, they have to stop.
Source: Government of Canada (FCAC) – Debt collection: know your rights
MetCredit acknowledges that phone numbers get recycled, and mistakes happen. You can report a wrong number on MetCredit's website or contact MetCredit directly to have it removed.
If calls continue after that, file a complaint with your provincial consumer protection authority.
No. Ignoring MetCredit doesn't make the debt go away. MetCredit reports to credit bureaus, and a collection entry damages your credit score. The creditor could also pursue legal action.
If you don't owe the money, dispute the debt in writing. If you can't pay, speak with a Licensed Insolvency Trustee or a non-profit credit counselling service.
Yes. MetCredit reports to TransUnion, Equifax and Dun & Bradstreet.
A collection entry from MetCredit lowers your credit score. That entry stays on your credit report for up to six years from the date of first delinquency, even if you pay the balance.
Source: Government of Canada (FCAC) – How long information stays on your credit report
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.