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.
Why 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.
North American Receivable Management Services (iQor) phone numbers
We called each of these numbers to confirm it reaches North American Receivable Management Services (iQor). Select a number to see call reports and what to do if they contact you.
| Phone number | Type |
|---|---|
| Main | |
| User Reported |
When we called the main number, 1-888-807-2576, for our October 2026 call study, a recorded message played, then a person answered after 25 seconds.
If a number claiming to be North American Receivable Management Services (iQor) calls you, don't confirm your details or acknowledge that the debt is yours until they send it in writing (letter or email). Check it against your own records. If you call back, use the main phone number, not the number that called you.
In our test calls, some agencies wouldn't accept calls from private or blocked numbers. If your call doesn't connect, check that your caller ID isn't hidden.
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
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?
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
What to do if North American Receivable Management Services (iQor) calls you (step by step)
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.
Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia
Quebec
Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon
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)
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once North American Receivable Management Services (iQor) receives it, they have to stop calling. The debt doesn't go away, and they can still take legal action. You can 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.
Regardless of province, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. Federal law is the only law in Canada that also stops an original creditor's in-house collectors, not just a collection agency. You can send it to your original creditor and its collection agent, a collection agency or a law firm.
If North American Receivable Management Services (iQor) is making collection calls to you from their Ontario location, then you can send a cease and desist letter available under Ontario's law.
For the rules in each province, read our guide on how to stop collection calls in Canada.
Restrictions on calls to your workplace
Many provinces and territories place restrictions on collection agencies when they attempt to call you at your workplace.
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 on what a collection agency can and can't do 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 North American Receivable Management Services (iQor) is breaking any debt collection or privacy laws, contact the consumer protection authority in your province.
Before making a written complaint, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
Some consumer protection agencies regulating the conduct of collection agencies will not process your complaint unless you first send a written complaint to the collection agency summarizing the conduct in question and making a request for remedial action.
Our page on how to file a complaint against a collection agency lists the regulator and how to reach it in each province and territory.
Legal name
Iqor Canada Ltd.
NARMS
RMS
Receivable Management Services
Receivable Management Ser. Co.
iQor Canada
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