At a glance Partners in Credit Inc. is a Canadian debt collection agency with offices in Ontario and Québec. The company has been operating nationally since 1988.
If Partners in Credit contacts you, ask for written proof of the debt before you share any personal details or make any payments.
Debt collection rules differ by province. Every province has rules against harassment, false statements and contact outside permitted hours.
What is Partners in Credit?
Partners in Credit Inc. is a debt collection agency that helps businesses recover outstanding accounts and unpaid debts.
It also provides outsourcing, skip tracing, commercial collections and estate processing services.
Partners in Credit is headquartered in Thornhill, Ontario, with a second office in Montréal, Québec.
Contact Partners in Credit Inc
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit agency websiteWhy is Partners in Credit calling me?
A call, letter, text message, email or voicemail from Partners in Credit means a creditor has placed your account with them for collection.
Sometimes the debt is yours. But sometimes it's old, already paid, or belongs to someone else entirely.
Don't confirm anything over the phone. Ask for written verification first through Partners in Credit's official website.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Who does Partners in Credit collect for?
Partners in Credit collects for lots of companies, including telecommunications companies and government agencies.
The City of Toronto officially lists Partners in Credit as a contracted collection agency for unpaid provincial offence fines.
Industry | Examples |
|---|---|
Government / Municipal | City of Toronto |
Telecommunications | Cogeco |
Financial | Banks, credit card companies |
Retail / Commercial | Retail and commercial businesses |
Healthcare | Hospitals, medical services |
Utilities | Utility providers |
Automotive | Automotive companies |
Note: the companies listed above are gathered from user-submitted entries, consumer reports, online discussions, and public records. They do not represent confirmed contractual relationships with Partners in Credit Inc.
Companies that use Partners in Credit Inc for debt collection
Reported by consumers
Know another company Partners in Credit Inc collects for?
Partners in Credit Inc phone numbers
These numbers are commonly associated with Partners in Credit Inc:
| Phone number | Type |
|---|---|
| Main | |
| General | |
| General | |
| General |
Got a call from a number not shown here?
If you receive a call from a different number claiming to be Partners in Credit Inc, verify the debt in writing and confirm the details before paying.
Is Partners in Credit a legitimate collection agency?
Yes. Partners in Credit Inc. is a legitimate debt collection agency that has been operating nationally since 1988. The BBB lists the business as started in 1977, which is likely the company's incorporation date.
Partners in Credit is headquartered in Thornhill, Ontario, and publicly lists its address and phone numbers.
Partners in Credit is not BBB accredited. It is a member of the Canadian Society of Collection Agencies (CSCA).
Is Partners in Credit Inc a licensed collection agency in Ontario?
Partners In Credit Inc. 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 March 2026.
| Legal Name | Location | Licence number | Status | Expiry |
|---|---|---|---|---|
| Partners In Credit Inc. | Thornhill, ON | 1951387 | Issued | Jul 15, 2027 |
Source: Government of Ontario – Search for a business licence (March 2026)
Is Partners in Credit Inc a licensed collection agency in Quebec?
Partenaires EN Crédit Inc., operating as Partners in Credit Inc, 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 March 2026.
| Legal Name | Location | Permit number |
|---|---|---|
| Partenaires EN Crédit Inc. | Montréal, QC | 400317 |
Source: Office de la protection du consommateur (March 2026)
Is Partners in Credit a licensed collection agency in Alberta?
Partners in Credit Inc. is licensed as a collection agency in Alberta under the Consumer Protection Act. The table below shows the confirmed licence record as of February 2026.
Legal name | Location | Licence year | Expiry | Bonded |
|---|---|---|---|---|
Partners in Credit Inc. | Calgary, AB | 2025 | May 31, 2026 | Yes |
Source: Government of Alberta – Licensed business search
Is Partners in Credit a licensed collection agency in British Columbia?
Partners in Credit Inc. holds active debt collection licences issued by Consumer Protection BC. The table below shows confirmed licence records as of February 2026.
Licence number | Business name | Address | Expiry |
|---|---|---|---|
23136 | Partners in Credit Inc. | 150 Commerce Valley Drive W, Suite 601, Thornhill, ON | 2026-12-31 |
50340 | Partners in Credit Inc. | 2021 Union Ave, Suite 805, Montréal, QC | 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 Partners in Credit Inc 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 Partners in Credit Inc 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. Collection agencies like Partners in Credit Inc typically accept online banking, Interac e-Transfer, credit or debit card through their website, or in person at a bank branch. Always 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
Only 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 creditor can sue you.
2 years: Ontario, BC, Alberta, Saskatchewan, New Brunswick and Nova Scotia. 3 years: Québec. 6 years: Manitoba, Newfoundland and Labrador, PEI and the territories
Once the limitation period expires, Partners in Credit can still contact you, but cannot take you to court. Making a payment or acknowledging the debt in writing restarts the clock.
For more information, see our guide about debt statute of limitations.
How to stop Partners in Credit Inc from calling
If you want phone calls to stop, send Partners in Credit Inc 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
Accreditations
Partners in Credit Inc locations
Locations that Partners in Credit Inc 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
Partners in Credit Inc.
Also known as
Partners in Credit
PIC
How to file a complaint about Partners in Credit
If Partners in Credit Inc. has broken debt collection rules, contact the consumer protection authority in your province.
Before filing, record the dates and times of contact, the phone number used, what was said, and keep copies of any emails, letters and texts.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
Source: Government of Canada (FCAC) – Debt collection: know your rights
FAQs
Ask for written verification showing the original creditor's name and the amount owed. Don't pay until you've confirmed the debt is yours.
Consumer complaints show that Partners in Credit sometimes contacts people about accounts they don't recognize or calls the wrong number.
Check your credit report and compare it against the details Partners in Credit provides.
Not without a court judgment. To garnish your wages or freeze your bank account, a creditor needs to sue you and win. A phone call from Partners in Credit does not mean they have a judgment against you.
Partners in Credit can contact third parties to find your current address or phone number.
Partners in Credit cannot discuss your debt with anyone else. If you tell them to stop calling your workplace, they must stop.
Source: Government of Canada (FCAC) – Debt collection: know your rights
No. Every province restricts when collection agencies can contact you.
In most provinces, Partners in Credit can call Monday to Saturday between 7:00 AM and 9:00 PM. Alberta extends that to 10:00 PM.
Sunday calls are allowed between 1:00 PM and 5:00 PM in Ontario and Alberta. Québec does not allow Sunday calls at all.
No province allows calls on statutory holidays.
Source: Government of Ontario – A guide for collection agencies
Collection accounts stay on your credit report for 6 years from the date of last activity in most provinces, even after you pay.
Source: Government of Canada (FCAC) – How long information stays on your credit report
Yes. You can negotiate a settlement at any point. Get the terms in writing before you pay.
Make sure the agreement confirms the remaining balance is forgiven and specifies how the account will be reported to credit bureaus. Keep copies of everything.
Yes. Partners in Credit lists an ombudsman on its website. If you've tried resolving an issue directly with Partners in Credit and aren't satisfied, the ombudsperson is an additional avenue before filing a formal provincial complaint.
Yes. Partners in Credit is the common name for Partners in Credit Inc. The company is also referred to as PIC on its own website. All three names refer to the same collection agency headquartered in Thornhill, Ontario.
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.