What is Unik Credit Management (UCM)?
Unik Credit Management (UCM) is a debt collection agency that helps businesses recover unpaid debts. They have been operating since 1975 and offer collection services in Eastern Ontario and Western Quebec.
UCM collects debts for a variety of clients, including commercial businesses, government agencies, healthcare providers, and financial institutions.
Many consumers report that UCM is knowledgeable about legal processes and has a strong recovery rate. They are known to use legal action when necessary to collect debts.
Contact Unik Credit Management (UCM)
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit agency websiteWhy is Unik Credit Management (UCM) calling me?
If you’ve received a call from Unik Credit Management (UCM), 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.
Unik Credit Management (UCM) 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
Know a company Unik Credit Management (UCM) collects for?
Unik Credit Management (UCM) phone numbers
These numbers are commonly associated with Unik Credit Management (UCM):
| Phone number | Type |
|---|---|
| Main | |
| General | |
| General |
Got a call from a number not shown here?
If you receive a call from a different number claiming to be Unik Credit Management (UCM), verify the debt in writing and confirm the details before paying.
Is Unik Credit Management (UCM) a legitimate collection agency?
Yes, Unik Credit Management (UCM) is a legitimate debt collection agency established in 1975. They are licensed and bonded and operate under provincial regulations.
Is Unik Credit Management (UCM) a licensed collection agency in Ontario?
Unik-collectrite Inc., operating as Unik Credit Management (UCM), 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 |
|---|---|---|---|---|
| Unik-collectrite Inc. | Rockland, ON | 1951483 | Issued | May 5, 2027 |
Source: Government of Ontario – Search for a business licence (March 2026)
What to do if Unik Credit Management (UCM) 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 Unik Credit Management (UCM) 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 Unik Credit Management (UCM) 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 collection agency like Unik Credit Management (UCM) 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, Unik Credit Management (UCM) can still sue you, but you can raise the expired limitation period as a defence. If you do, the court will dismiss the case.
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 Unik Credit Management (UCM) from calling
If you want phone calls to stop, send Unik Credit Management (UCM) 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
How to file a complaint about Unik Credit Management (UCM)
If Unik Credit Management (UCM) 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).
Accreditations
Unik Credit Management (UCM) locations
Locations that Unik Credit Management (UCM) operate in:
Provinces served
Browse all collection agenciesOther 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.