# What if I don't recognize the debt?

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.

# Can Partners in Credit garnish my wages or freeze my bank account?

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.

# Can Partners in Credit contact my family or employer?

Partners in Credit can contact third parties to find your current address or phone number.

# Can Partners in Credit call me at any time?

No. Every province restricts when collection agencies can contact you.

# How long does a Partners in Credit collection account stay on my credit report?

Collection accounts stay on your credit report for 6 years from the date of last activity in most provinces, even after you pay.

# Can I negotiate a settlement with Partners in Credit?

Yes. You can negotiate a settlement at any point. Get the terms in writing before you pay.

# Does Partners in Credit have an ombudsperson?

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.

# Is Partners in Credit the same as Partners in Credit Inc.?

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.

Partners in Credit Inc - Debt Collection Agency in Canada

Name: Partners in Credit Inc
Address: 150 Commerce Valley Dr. West, Suite 601, Thornhill, Ontario, L3T 7Z3, CA
Telephone: 1-888-730-6333
Price range: $$
Rating: 1.2

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

Partners in Credit Inc, a collection agency in Canada

1-888-730-6333

Contact this debt collection agency to verify details, dispute the debt, or resolve your account.

Visit agency website

Why 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.

Source: City of Toronto – Collection of Unpaid Provincial Offences Act (POA) Fines (Collection Agency Contact List)

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

City of Toronto

Know another company Partners in Credit Inc collects for?

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 February 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 (February 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 February 2026.

Legal Name	Location	Permit number
Partenaires EN Crédit Inc.	Montréal, QC	400317

Source: Office de la protection du consommateur (February 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 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 have this in writing.

Step 2: Don't confirm the debt is yours until you've reviewed the details. If Partners in Credit asks for personal information before sending written proof, say no.

Step 3: Protect your personal information. Don't share your address, date of birth, or banking details until you're sure the contact is real and the debt is yours.

Step 4: Dispute the debt in writing if it's wrong. Ask for proof. Keep copies of everything.

Step 5: Send a written request to stop calls if you want phone contact to end. This won't erase the debt or prevent legal action, but it can stop the calls. Check the rules in your province first.

Step 6: Talk to a Licensed Insolvency Trustee if the debt is real and you can't pay. The first consultation is free.

Source: Government of Canada (FCAC) – Dealing with a debt collector

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.

Template: request Partners in Credit Inc stop calling you (in writing)

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:

Subject: Request to stop phone contact - communicate in writing only 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 - The account reference number - 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

Partners in Credit Inc locations

Locations that Partners in Credit Inc operate in:

Ontario

Head Office

150 Commerce Valley Dr. West, Suite 601

Thornhill, L3T 7Z3

1-905-886-0555

Quebec

2021 Union Ave, Suite 805

Montreal, H3A 2C1

1-514-739-2900

Partners in Credit Inc phone numbers

These numbers are commonly associated with Partners in Credit Inc:

Phone numbers associated with Partners in Credit Inc
Phone number	Type
1-888-730-6333	Main
1-905-886-0555	General
1-514-739-2900	General
1-855-483-0981	General

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.

Got a call from a number not shown here?

Accreditations

Canadian Society of Collection Agencies (CSCA)

Provinces served

Browse all collection agencies

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

Partners in Credit Inc