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., a Florida-based outsourcing firm.
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 rather than the iQor name.
Collection letters and calls in Canada commonly use the NARMS or RMS name rather than the iQor 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 Canada)
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 NARMS or RMS 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 Canada) 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 Canada) collects for?
North American Receivable Management Services (iQor Canada) phone numbers
These numbers are commonly associated with North American Receivable Management Services (iQor Canada):
| 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 Canada), 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 legit?
Yes. North American Receivable Management Services is the trading name of iQor Canada Ltd., a legitimate Canadian collection agency.
The company is registered as a federal Canadian corporation and holds active collection agency licences in Ontario, Quebec, Alberta and BC.
It is not a scam, but scammers do sometimes pose as collection agencies. If you're not sure whether a call is genuine, hang up and verify independently.
Check your credit report to see whether NARMS has reported a collection account against you. You can also call them at 888-807-2576 to confirm the account exists.
Always ask for written proof of the debt before you pay anything.
Has iQor Canada or NARMS faced regulatory action?
iQor Canada Ltd., the legal entity behind the NARMS trading name, has historical regulatory actions on record. The CRTC fined iQor Canada $500,000 in 2013 for automated calling violations between 2011 and 2013. Alberta and Quebec issued separate fines totalling $25,710 in 2012.
These actions date back over a decade, and there have been no recorded Canadian regulatory actions since that time.
If you believe NARMS or RMS is breaking the rules now, file a complaint with your province's consumer protection office.
Is North American Receivable Management Services (iQor Canada) a licensed collection agency in Alberta?
IQOR Canada Ltd., operating as North American Receivable Management Services (iQor Canada), 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 May 2026.
| Business Name | Trading As | Location | Bonded | Expiry |
|---|---|---|---|---|
| IQOR Canada Ltd. | North American Receivable Management Services | Calgary, AB | Yes | Dec 31, 2026 |
Source: Service Alberta – Find out if a Business is Licenced (May 2026)
Is North American Receivable Management Services (iQor Canada) a licensed collection agency in Quebec?
IQOR Canada Ltée, operating as North American Receivable Management Services (iQor Canada), 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 May 2026.
| Legal Name | Location | Permit number |
|---|---|---|
| IQOR Canada Ltée | Montréal, QC | 400340 |
Source: Office de la protection du consommateur (May 2026)
In Quebec, the company operates under several French names registered with the Office de la protection du consommateur, including Agence de recouvrement iQor Canada, iQor Canada Collection Agency and Agence de recouvrement RMS. If you're contacted by any of these names, it's the same company.
Is North American Receivable Management Services a licensed collection agency in British Columbia?
iQor Canada Ltd. holds an active debt collection licence issued by Consumer Protection BC. The licence was first issued in 2002.
The table below shows the confirmed licence record as of May 2026.
Licence number | Business name | Does business as | Address | Expiry |
|---|---|---|---|---|
25629 | iQor Canada Ltd | iQor Canada / North American Receivable Management Services | 2001 Robert Bourassa Blvd, Suite 1700, Montréal, QC H3A 2A6 | 2026-12-31 |
BC requires a licence for each office that contacts BC residents, even if the office is outside BC.
Source: Consumer Protection BC – Check a licence
What to do if North American Receivable Management Services (iQor Canada) 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 North American Receivable Management Services (iQor Canada) 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 North American Receivable Management Services (iQor Canada) 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 North American Receivable Management Services (iQor Canada) 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, North American Receivable Management Services (iQor Canada) 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. 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 North American Receivable Management Services (iQor Canada) from calling
Send North American Receivable Management Services (iQor Canada) a cease and desist letter and they must stop phoning you, though the debt itself remains and they can still pursue you in court.
The right to send one, and what the letter has to say, varies by province.
Find your jurisdiction's cease and desist letter template
If you live in Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island, or the Yukon, your provincial law doesn't grant this right. You can still send a cease and desist letter, by registered mail, if your debt is on a loan, line of credit, or credit card under federal law. You can also use Ontario's law if North American Receivable Management Services (iQor Canada) is physically based in Ontario.
For the full background, see How to stop collection calls in Canada.
How to file a complaint about North American Receivable Management Services (iQor Canada)
If North American Receivable Management Services (iQor Canada) 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).
North American Receivable Management Services (iQor Canada) locations
Locations that North American Receivable Management Services (iQor Canada) 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 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.