At a glance
MetCredit is a Canadian debt collection agency that recovers unpaid debts for businesses.
The company has been operating since 1973 and has offices in Edmonton, Toronto (Mississauga), Vancouver and Montréal.
MetCredit works with businesses of all sizes, from startups to major banks, telecom companies and national retailers.
If MetCredit contacts you, ask for written verification before you confirm anything or make 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. They've been in business since 1973.
MetCredit is headquartered in Edmonton, with additional offices in Toronto (Mississauga), Vancouver and Montréal. The company is licensed and bonded in all Canadian provinces and territories.
They also have an in-house legal team, allowing them to pursue legal action directly if the situation escalates.
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 likely referred your unpaid account to them for collection. MetCredit represents the original creditor rather than owning the debt.
MetCredit uses phone calls, emails and text messages to reach consumers. Many people report that MetCredit is persistent with follow-ups across multiple channels.
Often, these calls are legitimate. But they could be about an old account you'd forgotten about, a mistake on their end, a debt you genuinely don't recognize, or a scammer using MetCredit's name to try to trick you.
Before you confirm any personal information or acknowledge the debt, ask for written verification. This helps you avoid scams and prove you actually owe the money.
Source: Government of Canada (FCAC) - Dealing with a debt collector
Who does MetCredit collect for?
MetCredit works with a wide range of creditors across multiple industries.
According to MetCredit, they serve "virtually every business sector, including telecommunications, healthcare, auto-deficiency, heavy equipment, professional services, retail, government receivables, estate collections and more."
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.
MetCredit describes itself as the "market leader in telecommunications account collection" in Canada. They have dedicated industry pages for telecom, fitness, tenancy, manufacturing, financial services and estate collections.
Source: MetCredit
Companies that use MetCredit for debt collection
Reported by consumers
Know another company MetCredit collects for?
Is MetCredit a legitimate collection agency?
Yes. MetCredit (Metropolitan Credit Adjusters Ltd.) is a licensed collection agency that has operated in Canada since 1973.
They're licensed and bonded in all Canadian provinces and territories. The company has maintained an A+ rating with the Better Business Bureau since 1974.
MetCredit reports delinquent accounts to TransUnion, Equifax and Dun & Bradstreet, as well as specialized regional and industrial credit bureaus.
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 February 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 (February 2026)
Is MetCredit a licensed collection agency in Québec?
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).
| Name | Permit number | Status |
|---|---|---|
| Metropolitan Credit Adjusters Ltd. | 400233 | Active |
MetCredit (operating as Metropolitan Credit Adjusters Ltd.) holds Québec agency permit 400233, with its registered office at 400-10310 Jasper Avenue, Edmonton, Alberta T5J 2W4.
Source: Office de la protection du consommateur
What should I ask MetCredit before paying?
Before you confirm any details or make a payment, request written documentation that includes the original creditor's name, account reference, total amount claimed and a breakdown of principal, interest and fees.
Acknowledging a debt or making a payment can restart the limitation period in some provinces. That gives them more time to sue you, so be careful how you respond.
Source: Government of Canada (FCAC) - Dealing with a debt collector
What are my rights when MetCredit contacts me?
MetCredit must comply with provincial debt collection regulations. Provincial consumer protection acts protect you from harassment, though the specific rules vary by province.
Written notice before phone calls
In Ontario, MetCredit must send you a written notice before calling to collect. After sending the notice, they must wait at least 6 days before calling you.
If you get a call from MetCredit but haven't received a written notice, tell them. They must resend the notice and wait another 6 days before contacting you again.
Source: Government of Ontario - Stop collection agency calls
Check the local rules where you live.
What MetCredit cannot do
Debt collectors, including MetCredit, cannot:
- Harass, threaten or intimidate you
- Make false or misleading statements
- Use profane, threatening or coercive language
- Apply unreasonable or excessive pressure
- Contact you at work after you ask them to stop
- Discuss your debt with family or employers beyond confirming contact information
Source: Government of Canada (FCAC) - Debt collection: know your rights
Contact hour restrictions
In Ontario, MetCredit can call Monday to Saturday between 7:00 am and 9:00 pm and Sundays between 1:00 pm and 5:00 pm. No calls on statutory holidays.
In Alberta, collection agencies can contact you Monday to Saturday between 7:00 am and 10:00 pm and on Sundays between 1:00 pm and 5:00 pm.
Contact frequency limits
In Ontario, MetCredit cannot contact you more than three times in seven days for the same debt. Not without your consent. Check the rules that apply in your province.
Source: Government of Ontario - Stop collection agency calls
How do I spot a collection scam?
Scammers sometimes impersonate collection agencies, including MetCredit.
Red flags:
- Refusing to identify the original creditor
- Threatening arrest, jail or deportation
- Demanding immediate payment by e-transfer, gift card or cryptocurrency
- Refusing to send written verification
- Using phone numbers that don't match MetCredit's published contact information
If something feels off, it probably is. Verify any 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)
Stay calm. A collection call is not a lawsuit. They're asking for money, nothing more.
Step 1: Get the caller's name, company name and callback number. Don't confirm personal details yet.
Step 2: Ask for written verification. Say: "Send written verification of this debt, including the original creditor's name, the amount and the account reference."
Step 3: Review what MetCredit sends. Check whether you recognize the debt. Verify the amount matches your records.
Step 4: Decide your approach. If the debt is valid, you can pay in full, negotiate a settlement or arrange a payment plan. If you believe the claim is wrong, dispute it in writing.
Step 5: Get any agreement in writing before you pay. If debt has become unmanageable, speak with a Licensed Insolvency Trustee. The first consultation is free.
Source: Government of Canada (FCAC) - Dealing with a debt collector
What are my options if the debt is real?
If MetCredit is pursuing a legitimate debt, you do have options.
Pay in full. This resolves the account immediately. The collection will still appear on your credit report, but it will show as paid. And a paid debt looks better to lenders than an unpaid one.
Negotiate a settlement. A lot of collection agencies will accept less than the full amount. Get the terms in writing before you pay.
Payment plan. If you can't pay in one lump sum, MetCredit might agree to monthly payments. Only commit to payments you can actually afford.
Get a record of the payment. Only pay by cheque, e-transfer or another traceable method. Always get a receipt. MetCredit accepts payments online via credit card, debit card, Interac e-Transfer and online banking.
Dispute the debt. If the claim is wrong, dispute it in writing. Send by registered mail.
Speak with a Licensed Insolvency Trustee. The first consultation is free.
How does MetCredit affect my credit report?
A debt in collections is one of the most damaging marks you can have on your credit report.
When MetCredit reports a debt, it shows up on your Equifax and TransUnion credit reports and lowers your credit score right away.
MetCredit says they update credit bureaus daily. Changes may not appear immediately in your credit score, since each bureau calculates scores independently.
A collection entry can stay on your credit report for up to six or seven years, depending on your province, even after the debt is paid.
Paying the debt updates the entry to show the account as satisfied, which looks better to lenders.
What if the debt MetCredit is collecting is old?
Statute of limitation periods determine how long a creditor can sue to collect a debt.
After this period expires, MetCredit may still ask for payment, but they generally cannot take you to court.
| Province | Limitation period |
|---|---|
| Ontario | 2 years |
| British Columbia | 2 years |
| Alberta | 2 years |
| Saskatchewan | 2 years |
| Quebec | 3 years |
Here is where people trip up. Making a partial payment, acknowledging the debt in writing, or even just promising to pay can restart the limitation period. Watch what you say.
Even after the limitation period has expired, MetCredit can continue to request payment and report the debt to credit bureaus.
Template: request MetCredit stop calling you (in writing)
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:
Note: Check your province's rules for any requirements to stop contact.
Source: Government of Canada (FCAC) - Dealing with a debt collector
MetCredit locations
Locations that MetCredit operate in:
MetCredit phone numbers
These numbers are commonly associated with MetCredit:
| Phone number | Type |
|---|---|
| Main | |
| General | |
| General | |
| General | |
| General |
If you receive a call from a different number claiming to be MetCredit, verify the debt in writing and confirm the details before paying.
Got a call from a number not shown here?
Accreditations
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
How do I file a complaint about MetCredit?
If MetCredit has violated collection rules, file a complaint with your provincial consumer protection authority.
Before you file, make sure you document everything: dates, times, phone numbers used, what was said, and copies of any letters or emails from MetCredit.
Each province has its own consumer protection office that oversees the licensing of collection agencies and handles complaints.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.