At a glance MJR Capital Services Inc is a Canadian debt collection agency founded in 1995.
If MJR Capital Services contacts you, request written verification of the debt before sharing personal information or making payments.
Debt collection rules vary by province, but there are restrictions on harassment, misleading statements, and when collectors can contact you.
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.
Sources: MJR Capital and BBB
If a business assigns your debt to a collection agency, you might receive calls, emails, letters, 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.
Contact MJR Capital Services
1-877-669-4935
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy 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 thing you should do is ask for written verification of the debt before you share any personal details or make a payment.
Source: Government of Canada (FCAC) - Dealing with a debt collector
Who does MJR Capital Services collect for?
Collection agencies work with many different clients. People have reported that MJR Capital Services contacts them about debts from all types of companies.
Always verify the creditor's claim in writing before assuming it's legitimate.
Industry | Consumer-reported examples |
|---|---|
Financial services | Major banks, credit card companies (BMO, Canadian Tire) |
Telecommunications | Phone/internet/cable providers |
Utilities | Hydro/gas/water providers |
Insurance | Insurance companies (belairdirect) |
Government | Municipal, provincial, and federal agencies |
Healthcare | Hospitals and medical providers |
Education | Colleges, universities, student loans |
Retail | Stores with unpaid customer accounts |
Commercial | Business-to-business debts |
Note: The industries listed above are based on customer reports and online discussions. They don't represent confirmed business relationships with MJR Capital Services.
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
Companies that use MJR Capital Services for debt collection
Submitted by consumers. We try to verify these reports but cannot always confirm them.
Know another company MJR Capital Services collects for?
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.
Got a call from a number not shown here?
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.
Is MJR Capital Services a legitimate collection agency?
Yes, MJR Capital Services Inc is a legitimate debt collection agency that's 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. 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 MJR Capital Services has reported the account and whether the information is correct.
What to do if MJR Capital Services 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 MJR Capital Services 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. Sometimes, MJR Capital Services 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: Get help if you can't pay. Talk to a Licensed Insolvency Trustee or non-profit credit counsellor.
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
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.
| 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, 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
Send MJR Capital Services 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 MJR Capital Services 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 MJR Capital Services
If you think that MJR Capital Services 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
MJR Capital Services locations
Locations that MJR Capital Services 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
MJR Capital Services Inc.
Also known as
Agence de recouvrement MJR
Common variations
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
FAQs
Yes. MJR Capital Services is a BBB-accredited collection agency that's been operating in Canada since 1995. They hold an Ontario licence 4380143 and a Quebec permit from the OPC.
The safest way to confirm you're dealing with the real company is to verify details using official contact information and request written confirmation of the debt.
MJR Capital is likely calling because they believe you have an unpaid debt with a creditor they represent.
If you are receiving calls, ask for written verification of the debt. If you want the calls to stop, you can send a written request, though this won't prevent legal action.
Source: Government of Canada (FCAC) - Dealing with a debt collector
No. Contact rules depend on your province.
In Ontario, collectors cannot call before 7:00 AM or after 9:00 PM on weekdays, and Sunday calls are restricted to 1:00 PM - 5:00 PM.
Calls on public holidays are prohibited. Other provinces have similar restrictions.
Source: Government of Ontario - A guide for collection agencies
Request written verification showing the creditor's name and the amount owed. Don't pay until you've confirmed it's legitimate. If you believe there's an error, dispute the debt in writing and request proof.
MJR Capital Services Inc. is a privately held Canadian company headquartered in Mississauga, Ontario. The company was founded in 1995.
Source: BBB - MJR Capital Services Inc
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.