What is MJR Capital Services?
MJR Capital Services Inc is a debt collection agency that helps businesses recover unpaid debts.
The company was founded in 1995 and operates across Canada, with offices in Mississauga (head office), Markham, and Laval.
If a business assigns your debt to a collection agency, you might receive calls, emails, letters, texts or voicemails asking you to repay what's owed.
Some consumers report that MJR Capital Services is persistent with phone calls, but they typically follow standard collection practices.
Why is MJR Capital Services calling me?
If you've received a call, voicemail, email, or letter from MJR Capital Services, they're likely trying to collect an unpaid debt on behalf of a creditor.
Often, you may owe money to a creditor, but it may also be an old account, a wrong number or mistake, a debt you don't recognize, or even a scam attempt using a real company name.
The first step is to request written proof of the debt before providing any personal information or making a payment.
Source: Government of Canada (FCAC) - Dealing with a debt collector
MJR Capital Services phone numbers
These numbers are commonly associated with MJR Capital Services:
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| User Reported | |
| User Reported | |
| User Reported |
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 MJR Capital Services, verify the debt in writing and confirm the details before paying.
Who does MJR Capital Services collect for?
Collection agencies work with many different clients. Our users have noted that MJR Capital Services reaches out to them regarding debts from various kinds of companies.
Consumer reports link MJR Capital Services to 15 creditors, most often in banking, insurance and government.
| Industry | Consumer-reported creditors |
|---|---|
| Telecommunications | |
| Banking & Financial Services | |
| Utilities | |
| Government & Municipal | |
| Insurance | |
| Tolls |
Know another company MJR Capital Services collects for?
Always verify the creditor's claim in writing before assuming it's legitimate.
If someone claims MJR Capital is collecting for a specific company, don't just rely on what they tell you over the phone. Make sure you ask for written verification that includes the creditor's name, account reference, and current balance.
Source: Government of Canada (FCAC) - Debt collection: know your rights
Is MJR Capital Services a legitimate collection agency?
Yes, MJR Capital Services Inc. is a legitimate debt collection agency that has been operating in Canada since 1995.
MJR Capital Services is PCI-DSS compliant and holds SOC 1 and SOC 2 Type II certifications.
Source: MJR Capital - Client
MJR Capital's branches and employees are licensed through provincial regulatory bodies and are accredited by the Canadian Society of Collection Agencies (CSCA).
Will MJR Capital Services affect my credit score?
A collection account from MJR Capital Services 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 MJR Capital Services calls you (step by step)
Your rights when MJR Capital Services contacts you
Debt collection rules vary by province, but debt collectors and collection agencies must follow a code of conduct outlining what they can and cannot do.
Debt collectors generally are not allowed to:
- Harass, threaten, or intimidate you
- Make false or misleading statements
- Use profane, threatening, or coercive language
- Apply unreasonable or excessive pressure
- Continue contacting you at work after you've told them not to
Source: Government of Canada (FCAC) - Debt collection: know your rights
Contact hour restrictions (example: Ontario)
In Ontario, collection agencies generally cannot contact you about a debt:
- Before 7:00 AM or after 9:00 PM (Monday to Saturday)
- On Sundays, except between 1:00 PM and 5:00 PM
- On public holidays
Source: Government of Ontario - A guide for collection agencies
Note: Calling hours vary by province, so check your local debt collection laws.
What if the debt is old?
Every province has a time limit on how long a collection agency like MJR Capital Services 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, MJR Capital Services 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 MJR Capital Services
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once MJR Capital Services 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 MJR Capital Services 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 MJR Capital Services
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 MJR Capital Services 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
MJR Capital Services Inc.
Agence de recouvrement MJR
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
MGR Capital Services
MJR Collection Agency
NGR Capital Services
