At a glance NCRi (National Credit Recovery Inc.) is a Canadian debt collection and business process outsourcing (BPO) company, incorporated in 2008.
The company provides accounts receivable management, customer experience management, and call centre operations for creditors in banking, telecom, utilities, insurance and government.
NCRi is headquartered in Mississauga, Ontario, with a second Canadian office in Montreal and international operations including Pakistan.
If NCRi contacts you, don't confirm any personal details over the phone. Ask for written verification of the debt first.
What is NCRi?
NCRi (National Credit Recovery Inc.) is a collection agency that recovers unpaid debts on behalf of creditors. The industry term for this is accounts receivable management.
The company also operates as a business process outsourcing (BPO) provider. Its BPO services include customer experience management, customer service, data entry and IT support, which it runs alongside its debt collection work.
NCRi is headquartered in Mississauga, Ontario, with a second Canadian office in Montreal, Quebec, and international operations including an office in Islamabad, Pakistan. The company was incorporated federally in August 2008 and has been in business since 2007.
Contact NCRi
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy is NCRi calling me?
If NCRi is calling, a creditor has sent your unpaid account to them for collection.
The call could also be about an old debt you've forgotten, an account sent to NCRi by mistake, or a scam using their name.
Ask for written proof of the debt before you confirm any personal details or agree to pay.
Who does NCRi collect for?
NCRi collects debts for creditors in banking, financial services, telecom, utilities, insurance and government.
If the creditor name on a collection letter or call isn't familiar, check your credit report with Equifax or TransUnion before responding.
NCRi is an approved collection agency supplier through the Ontario Education Collaborative Marketplace (OECM), alongside Credit Bureau of Canada Collections, Transworld Systems and Gatestone & Co.
OECM members, including Ontario school boards, colleges, and universities, can use NCRi to collect unpaid tuition, residence fees and student debts.
Companies that use NCRi for debt collection
Reported by consumers
Know another company NCRi collects for?
NCRi phone numbers
These numbers are commonly associated with NCRi:
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| User Reported | |
| User Reported | |
| User Reported |
Got a call from a number not shown here?
If you receive a call from a different number claiming to be NCRi, verify the debt in writing and confirm the details before paying.
Is NCRi legitimate?
NCRi (National Credit Recovery Inc.) was incorporated as a federal corporation in August 2008. The company has been in business since 2007.
NCRi is not BBB accredited. As of March 2026, NCRi has an F rating with the Better Business Bureau, meaning the company hasn't responded to the BBB's complaint process.
BBB lists an older address (6285 Northham Dr); the federal corporate registry lists Suite 300 at 5060 Spectrum Way, which appears current.
Source: BBB – National Credit Recovery Inc
If someone claims to be from NCRi, ask for written proof of the debt before paying anything.
Is NCRi a licensed collection agency in Ontario?
National Credit Recovery Inc., operating as NCRi, 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 April 2026.
| Legal Name | Location | Licence number | Status | Expiry |
|---|---|---|---|---|
| National Credit Recovery Inc. | Mississauga, ON | 4715250 | Issued | Apr 17, 2026 |
| National Credit Recovery Inc. | Montreal, QC | 4741181 | Issued | Apr 17, 2026 |
| National Credit Recovery Inc. | Islamabad, Pakistan | 4741183 | Issued | Apr 17, 2026 |
Source: Government of Ontario – Search for a business licence (April 2026)
NCRi also holds an Ontario collection agency licence for an office in Islamabad, Pakistan, and reports international operations beyond Canada.
Is NCRi a licensed collection agency in Alberta?
National Credit Recovery Inc., operating as NCRi, 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 April 2026.
| Business Name | Trading As | Location | Bonded | Expiry |
|---|---|---|---|---|
| National Credit Recovery Inc. | — | Edmonton, AB | Yes | Apr 30, 2027 |
Source: Service Alberta – Find out if a Business is Licenced (April 2026)
Is NCRi a licensed collection agency in Quebec?
National Credit Recovery Inc., operating as NCRi, is registered in Québec as a collection agency and operates under the Consumer Protection Act, with oversight from the Office de la protection du consommateur (OPC). The table below shows the confirmed licence record as of April 2026.
| Legal Name | Location | Permit number |
|---|---|---|
| National Credit Recovery Inc. | Montréal, QC | 400417 |
Source: Office de la protection du consommateur (April 2026)
What to do if NCRi 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 NCRi 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 like online banking, e-Transfer, or card. 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
Many people contacted by NCRi are struggling with multiple debts. A Licensed Insolvency Trustee can reduce what you owe and combine it into a single affordable monthly payment.
Not in Ontario, Alberta, BC, Nunavut or the NWT? Find a trustee in your province
Best if you can still afford your debt but need help managing payments
Best if you can still afford your debt but need help managing payments
Find a counsellorOnly 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 NCRi 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, NCRi 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 NCRi from calling
If you want phone calls to stop, send NCRi 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 NCRi
If NCRi 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
NCRi locations
Locations that NCRi 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
National Credit Recovery Inc.
Also known as
NCRi Inc.
Common variations
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
NCR Inc
FAQs
NCRi can garnish wages only with a court order. The debt collection agency must sue, win judgment, and request a garnishment.
They cannot deduct money from your pay without court approval. Wage garnishment rules vary by province.
Yes. A debt sent to NCRi can damage your credit score if it is reported on your credit report.
Collections stay on your report for six years from the date of last activity. Paying the debt changes the status to paid, but doesn't remove it early.
Source: Government of Canada – How long information stays on your credit report
Yes. NCRi might accept a lump sum settlement for less than the full amount or agree to a monthly payment plan. Get any agreement in writing before you make a payment.
A settlement shows as "settled" rather than "paid in full" on your credit report, but it clears the account.
The debt doesn't go away. NCRi can keep contacting you or recommend that the creditor take legal action. If a court issues a judgment, they can garnish your wages or freeze your bank account.
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.