MJR Capital Services

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.

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 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.

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

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's branches and employees are licensed through provincial regulatory bodies and are accredited by the Canadian Society of Collection Agencies (CSCA).

Québec permit

In Quebec, MJR Capital Services Inc holds permit 400331 issued by the Office de la protection du consommateur.

Source: Québec: Office de la protection du consommateur

MJR Capital Services is PCI-DSS compliant and holds SOC 1 and SOC 2 Type II certifications.

Source: MJR Capital - Client

Scammers sometimes pretend to be 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 of the debt (creditor name, amount, and account reference).

Step 2: Don't confirm the debt is yours or make any payments until you've had a chance to review the details in writing.

Step 3: Avoid sharing sensitive personal information unless you're sure it's legitimate.

Step 4: If you believe the debt is incorrect, dispute it in writing and request proof.

Step 5: If you want the calls to stop, you can send a written request (province rules vary), but it won't necessarily stop legal action.

Step 6: If you're overwhelmed by debt, consider speaking with a Licensed Insolvency Trustee.

Source: Government of Canada (FCAC) - Dealing with a debt collector