At a glance North American Receivable Management Services (NARMS) is a Canadian collection agency. The legal entity is iQor Canada Ltd. (iQor Canada Ltée in French), a federally incorporated Canadian company and the Canadian arm of iQor Holdings Inc.
The same iQor group also operates the consumer-facing Receivable Management Services (RMS) brand. Collection letters and calls in Canada commonly use the NARMS or RMS name.
If you've been contacted by NARMS, RMS or iQor in Canada, it's the same company. Don't confirm any personal details or make a payment until you have written verification of the debt.
What is North American Receivable Management Services?
North American Receivable Management Services is a debt collection company that contacts Canadians on behalf of creditors who have referred unpaid accounts for recovery.
The legal entity is iQor Canada Ltd. The Canadian operation is part of the global iQor group, which has around 45,000 employees across 11 countries and is headquartered in Fort Lauderdale, Florida.
When a creditor hires NARMS, the company contacts you by phone, letter or email under the name North American Receivable Management Services or Receivable Management Services.
Contact North American Receivable Management Services (iQor)
1-888-807-2576
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy is North American Receivable Management Services calling me?
If North American Receivable Management Services is calling, a creditor has referred your unpaid account to them for collection.
You'll usually see the name North American Receivable Management Services, Receivable Management Services or RMS on the letter or call display.
The iQor group also runs outsourced call centre operations for major creditors, such as telecoms and utilities. Some calls identify as the original creditor first and only mention the collection agency if you ask.
Don't confirm any personal details or agree to pay until you have written proof of the debt. There's always a chance it's a mistake or someone using the name in a scam.
If you owe the debt, pay it off as soon as possible to avoid it being reported as a collection on your credit report.
Who does North American Receivable Management Services collect for?
North American Receivable Management Services works for large corporate clients across telecommunications, utilities, financial services and retail.
A common reason Canadian consumers receive NARMS letters is an unpaid UPS courier bill, often for brokerage fees or customs duties on a package shipped from outside Canada.
If you don't recognize the creditor name from a NARMS letter or call, pull your credit report from Equifax or TransUnion. It shows which creditor placed the account in collections.
Companies that use North American Receivable Management Services (iQor) for debt collection
Submitted by consumers. We try to verify these reports but cannot always confirm them.
Know another company North American Receivable Management Services (iQor) collects for?
North American Receivable Management Services (iQor) phone numbers
These numbers are commonly associated with North American Receivable Management Services (iQor):
| Phone number | Type |
|---|---|
| Main | |
| 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 North American Receivable Management Services (iQor), verify the debt in writing and confirm the details before paying.
Will North American Receivable Management Services damage my credit score?
A collection account from North American Receivable Management Services lowers your credit score if it's reported to Equifax or TransUnion.
Collections typically stay on your credit report for six years from the date of last activity. Paying the debt changes the status to paid, but doesn't remove it early.
To check whether NARMS has already reported a debt against you, pull your credit report from Equifax Canada or TransUnion Canada. The collections section shows which original creditor placed the account with the collection agency.
If nothing shows up, North American Receivable Management Services hasn't reported the debt to the credit bureaus yet. Make sure to verify the debt directly with the original creditor before paying.
Is North American Receivable Management Services legitimate?
Yes. North American Receivable Management Services is the trading name of iQor Canada Ltd., a licensed Canadian collection agency with active licences in Ontario, Quebec, Alberta and BC.
Scammers sometimes pose as collection agencies, so check your credit report or call 888-807-2576 to confirm the account is real, and always ask for written proof of the debt before you pay.
Will North American Receivable Management Services (iQor) affect my credit score?
A collection account from North American Receivable Management Services (iQor) 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, known as the date of first delinquency. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Source: Equifax Canada – How long does information stay on my credit report
Check your own report to see whether North American Receivable Management Services (iQor) has reported the account and whether the information is correct.
What to do if North American Receivable Management Services (iQor) 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 North American Receivable Management Services (iQor) 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, North American Receivable Management Services (iQor) 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
What if the debt is old?
Every province has a time limit on how long a collection agency like North American Receivable Management Services (iQor) can sue you for an unpaid debt. In most provinces the limit is 2 years from your last payment or written acknowledgment of the debt. It's 3 years in Quebec and 6 years in the territories, Newfoundland and Labrador, and Prince Edward Island.
| 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, North American Receivable Management Services (iQor) 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 North American Receivable Management Services (iQor)
Send North American Receivable Management Services (iQor) 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 North American Receivable Management Services (iQor) 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 North American Receivable Management Services (iQor)
In Canada, debt collection is regulated province by province, not federally. The rules ban harassment, calling outside set hours, discussing your debt with your family or employer, and threatening legal action they have no intention of taking.
Source: Government of Canada (FCAC) – Debt collection: know your rights
If you think that North American Receivable Management Services (iQor) 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.
North American Receivable Management Services (iQor) locations
Locations that North American Receivable Management Services (iQor) 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
Iqor Canada Ltd.
Also known as
NARMS
RMS
Receivable Management Services
Receivable Management Ser. Co.
iQor Canada
Common variations
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
North American Receivable Management Services Co
Agence de recouvrement RMS
Agence de recouvrement iQor Canada
FAQs
Yes. North American Receivable Management Services (NARMS) is a trading name of iQor Canada Ltd. The same group operates the customer support brand Receivable Management Services (RMS) at rmscustomersupport.com.
NARMS can't take money from your paycheque directly. To garnish wages, someone has to sue you first, win a court judgment, and then request a garnishment order.
With third-party collectors like NARMS, this is usually the original creditor rather than the agency itself.
You can offer North American Receivable Management Services a lump sum for less than the full amount or propose a monthly payment plan. Get any deal in writing before you pay.
A settlement shows as "settled" rather than "paid in full" on your credit report, but it clears the account.
Ignoring the debt doesn't make it disappear. NARMS can keep contacting you or may recommend that the creditor take legal action.
If a court issues a judgment against you, the creditor can garnish your wages or freeze your bank account.
Yes. If you don't respond to collection attempts, the creditor can instruct North American Receivable Management Services to recommend legal action. With a judgment, the creditor can garnish your wages or freeze your bank account.
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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.