MJR Capital Services

What is MJR Capital Services?

MJR Capital Services is a debt collection agency that helps businesses recover unpaid debts.

They work throughout Canada, mainly in the credit industry, and handle both secured and unsecured accounts.

MJR Capital collects debts for various creditors, including banks such as BMO and Canadian Tire Credit Card.

Many Canadians report that MJR Capital is persistent with phone calls, but they usually stick to standard collection practices.

Why is MJR Capital Services calling me?

If MJR Capital Services has called you, they're likely trying to collect an unpaid debt on behalf of a creditor.

If you're not sure why they're calling, ask them to send you written proof of the debt before you share any personal details or make a payment.

MJR Capital Services collects for:

• Banks and financial institutions (e.g., BMO, Canadian Tire Credit Card)
• Telecommunications companies (phone, internet, cable)
• Government agencies
• Healthcare providers and hospitals
• Utilities (hydro, gas, water)
• Education and student loans
• Commercial businesses
• Credit card companies
• Retail stores

Is MJR Capital Services a legitimate collection agency?

Yes, MJR Capital Services is a legitimate debt collection agency and is accredited by the Canadian Society of Collection Agencies (CSCA).

But scammers sometimes pretend to be collection agencies, so make sure to get written proof of any debt before you pay.

Your rights when a debt collection agency like MJR Capital Services contacts you

Debt collectors and collection agencies must follow a code of conduct outlining what they can and cannot do:

• Every time a debt collector contacts you, they must identify themselves.
• They can only call you during certain hours, usually between 7 AM and 9 PM, though the exact times vary depending on where you live in Canada.
• They cannot make false or misleading representations to collect a debt.
• Debt collectors may not harass, threaten or intimidate you.
• Debt collectors may not use threatening, profane, intimidating or coercive language.
• Debt collectors may not apply undue, excessive or unreasonable pressure.
• Always ask for written proof before you answer questions, give out personal information, or pay anything.
• A debt collector can't contact you at work once you've told them not to.

What to do if a debt collection agency like MJR Capital Services contacts you

1. Ask for written verification of the debt.
2. Don't say you owe the debt or share any sensitive information until you've checked that the debt is real.
3. If you want the phone calls to stop, you can request in writing that the collection agency stop calling, but this won't prevent further legal action.
4. If you don't think you owe the money, dispute the debt and request written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.