Pyxis Solutions

What is Pyxis?

Pyxis is a debt collection agency that helps businesses recover unpaid debts. They offer flexible repayment options and support to help people manage and resolve their debts. Pyxis focuses on working with clients to find manageable solutions tailored to their financial situations.

They operate across Canada, providing services in multiple provinces. Pyxis works with a variety of creditors, including telecommunications companies, banks, government agencies, healthcare providers, utilities, education and student loans, commercial businesses, credit card companies, and retail stores. Many consumers report that Pyxis is willing to negotiate and provide ongoing support.

Why is Pyxis calling me?

If you’ve received a call, voicemail, or letter from Pyxis, it usually means they’re trying to recover an unpaid debt on behalf of a creditor. If you’re unsure why they’re calling, ask for written verification of the debt before sharing any personal information or making a payment.

Pyxis collects for:

• Telecommunications companies (phone, internet, cable)
• Banks and financial institutions
• Government agencies
• Healthcare providers and hospitals
• Utilities (hydro, gas, water)
• Education and student loans
• Commercial businesses
• Credit card companies
• Retail stores

Is Pyxis a legitimate collection agency?

Yes, Pyxis is a legitimate debt collection agency. Their employees and branches are licensed by provincial governing ministries. However, scammers sometimes impersonate collection agencies, so always verify any debt in writing before paying.

What to do if Pyxis Solutions 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 Pyxis Solutions 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, Pyxis Solutions 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

Once the limitation period expires, Pyxis Solutions 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.