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
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
What to ask MJR Capital Services for before you pay
Ask for written documentation confirming:
- The original creditor
- The amount owed
- The account reference
- The date the debt relates to (if available)
Doing this helps you confirm that the debt is real and provides a record of what was said.
Source: Government of Canada (FCAC) - Debt collection: know your rights
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
Reported by consumers
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 | |
| General | |
| General | |
| General | |
| General |
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.
The company is BBB Accredited with an A- rating and publicly lists its corporate address and contact details.
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).
Is MJR Capital Services a licensed collection agency in Ontario?
MJR Capital Services Inc. 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 March 2026.
| Legal Name | Location | Licence number | Status | Expiry |
|---|---|---|---|---|
| MJR Capital Services Inc. | Mississauga, ON | 4380143 | Issued | Jul 31, 2027 |
| MJR Capital Services Inc. | Laval, QC | 4741273 | Issued | Mar 28, 2026 |
Source: Government of Ontario – Search for a business licence (March 2026)
Québec permit
In Quebec, MJR Capital Services Inc holds permit 400331 issued by the Office de la protection du consommateur.
Name | Permit number | Status |
|---|---|---|
MJR Capital Services Inc. | 400331 | Active |
Source: Québec: Office de la protection du consommateur
Is MJR Capital Services a licensed collection agency in Alberta?
MJR Capital Inc., operating as MJR Capital Services, is registered in Alberta as a collection agency under the Collection and Debt Repayment Practices Regulation. The table below shows the confirmed licence record as of March 2026.
| Business Name | Trading As | Location | Bonded | Expiry |
|---|---|---|---|---|
| MJR Capital Inc. | — | — | Yes | Apr 30, 2026 |
| MJR Capital Services Inc. | — | Calgary, AB | Yes | Nov 30, 2026 |
Source: Service Alberta – Find out if a Business is Licenced (March 2026)
Watch out for scammers
Scammers sometimes pose as collection agencies, so make sure to get written proof of any debt before you pay.
Check that you're dealing with the real company using contact details from MJR Capital's official website.
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 to do if MJR Capital Services calls you (step by step)
Step 1: Ask for written verification. Get the original creditor's name, the amount claimed, the date of last activity, and the account number. Don't confirm anything until you've reviewed everything 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 own records. Pull your credit report from Equifax or TransUnion and compare it to what MJR Capital Services sent you.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Negotiate if the debt is correct. You can offer a lump sum for less than the full amount or arrange a payment plan. Get any agreement in writing before you pay.
Step 6: Pay by a traceable method. Collection agencies like MJR Capital Services typically accept online banking, Interac e-Transfer, credit or debit card through their website, or in person at a bank branch. Always get a receipt.
Step 7: Talk to a Licensed Insolvency Trustee or non-profit credit counselling service if you owe the debt and can't pay.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Only consider a loan or a line of credit if you can comfortably afford the repayments. If you're unsure what to do, speak to a non-profit credit counsellor or a Licensed Insolvency Trustee first.
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 defence. If you do, the court will dismiss the case.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired. If you're unsure whether a debt is still within the limitation period, get legal advice before making any payment.
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 MJR Capital Services from calling
If you want phone calls to stop, send MJR Capital Services 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:
Hello,
I request that you stop contacting me by phone regarding this account and communicate with me only in writing.
Please send written verification of the debt, including:
- The original creditor name
- The amount claimed
- A breakdown of principal, interest and fees
- The account reference number
- The date of last activity on the account
Do not contact me at my workplace.
Thank you,
[Your full name]
[Your mailing address or email]
[Your phone number (optional)]
[Date]
Note: Check your province's rules for any requirements to stop contact.
Source: Government of Canada (FCAC) - Dealing with a debt collector
How to file a complaint about MJR Capital Services
If MJR Capital Services doesn't follow the 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.
You can also file a complaint through the Better Business Bureau (BBB).
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 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.