At a glance MetCredit is a Canadian debt collection agency that recovers unpaid commercial, consumer and specialized 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.
Source: MetCredit – About Us
Contact MetCredit
1-888-797-7727
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency 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, including major Canadian banks and corporations, telecom providers and national retailers.
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.
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
Submitted by consumers. We try to verify these reports but cannot always confirm them.
Know another company MetCredit collects for?
MetCredit phone numbers
These numbers are commonly associated with MetCredit:
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| Local Office | |
| Local Office | |
| Local Office |
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 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.
Will MetCredit affect my credit score?
A collection account from MetCredit 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 MetCredit has reported the account and whether the information is correct.
What to do if MetCredit 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 the agency 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. The agency 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: Talk to a Licensed Insolvency Trustee or non-profit credit counselling service if you can't pay.
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
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
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 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 MetCredit
Send MetCredit 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 MetCredit 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 MetCredit
If you think that MetCredit 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
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.
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.
Other collection agencies in Canada
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.