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 Mississauga, Burnaby and Montreal. The company is licensed and bonded in the provinces that require it.
MetCredit has an in-house legal team, so unpaid accounts can escalate to a lawsuit.
Source: MetCredit – About Us
Why 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'd forgotten, a debt that isn't yours, or a scammer using MetCredit's name.
Source: Government of Canada (FCAC) – Dealing with a debt collector
MetCredit phone numbers
We called each of these numbers to confirm it reaches MetCredit. Select a number to see call reports and what to do if they contact you.
| 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.
If you receive a call from a different number claiming to be MetCredit, verify the debt in writing and confirm the details before paying.
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.
Consumer reports link MetCredit to ten creditors, most often in telecom, banking and fitness.
| Industry | Consumer-reported creditors |
|---|---|
| Telecommunications | |
| Banking & Financial Services | |
| Parking | |
| Retail | |
| Fitness & Recreation | |
| Bnpl |
Know another company MetCredit collects for?
The company says it collects debts in telecom, fitness, tenancy, manufacturing, financial services, healthcare, agriculture, auto deficiency, estate collections and cross-border recovery.
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 the provinces that require it.
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, known as the date of first delinquency. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Source: Equifax Canada – How long does information stay on my credit report
What to do if MetCredit calls you (step by step)
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 |
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.
Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia
Quebec
Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon
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
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once MetCredit receive it, they have to stop calling. The debt doesn't go away, and they can still take legal action. You can 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.
Regardless of province, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. Federal law is the only law in Canada that also stops an original creditor's in-house collectors, not just a collection agency. You can send it to your original creditor and its collection agent, a collection agency or a law firm.
If MetCredit is making collection calls to you from its Ontario location, then you can send a cease and desist letter available under Ontario's law.
Restrictions on calls to your workplace
Many provinces and territories place restrictions on collection agencies when they attempt to call you at your workplace.
How to file a complaint about MetCredit
In Canada, debt collection is regulated province by province, not federally. The rules ban harassment, calling outside set hours, discussing your debt with your family or employer, and threatening legal action they have no intention of taking.
Source: Government of Canada (FCAC) – Debt collection: know your rights
If you think MetCredit is breaking any debt collection or privacy laws, contact the consumer protection authority in your province.
Before making a written complaint, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
Some consumer protection agencies regulating the conduct of collection agencies will not process your complaint unless you first send a written complaint to the collection agency summarizing the conduct in question and making a request for remedial action.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
Accreditations
Legal Name
Metropolitan Credit Adjusters Ltd
MetCredit
MetCredit.com
MetCredit®
Metropolitan Credit
Metropolitan Credit Adjusters
Agence de recouvrement de crédit métropolitain
Crédit Métropolitain
CréditMet
CréditMet
Recouvrement de crédit métropolitain
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