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
1-888-730-6333
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
Submitted by consumers. We try to verify these reports but cannot always confirm them.
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 | |
| Local Office | |
| Local Office | |
| 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 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).
Will Partners in Credit Inc affect my credit score?
A collection account from Partners in Credit Inc 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 Partners in Credit Inc has reported the account and whether the information is correct.
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, 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 Partners in Credit Inc 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, Partners in Credit Inc 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 Partners in Credit Inc 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, Partners in Credit Inc 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 Partners in Credit Inc
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once Partners in Credit Inc receive 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 Partners in Credit Inc is making collection calls to you from its Ontario location, then you can send a cease and desist letter available under Ontario's law.
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 Partners in Credit Inc
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 Partners in Credit Inc 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.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
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
FAQs
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.
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.
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.
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
Can Partners in Credit call me at any time?
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
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.
Source: Government of Canada (FCAC) – How long information stays on your credit report
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.
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.
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.
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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.