At a glance Vanguard Collection Agencies Ltd. is a Canadian debt collection agency based in Edmonton, Alberta. They have been in business since 1958.
Vanguard collects both consumer and commercial debts on behalf of creditors across Canada.
If Vanguard Collection Agencies contacts you, don't confirm any personal details over the phone. Ask for written verification of the debt first.
What is Vanguard Collection Agencies?
Vanguard Collection Agencies Ltd. is a debt collection agency that recovers unpaid debts on behalf of creditors. The company also offers credit reporting, legal debt recovery and judgment enforcement.
Vanguard Collection Agencies is headquartered in Edmonton, Alberta, with offices in Calgary and Burnaby, British Columbia.
The company has been in business since 1958 and operates across all provinces and territories.
Contact Vanguard Collection Agencies
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit agency websiteWhy is Vanguard Collection Agencies calling me?
If Vanguard Collection Agencies is calling, a creditor has sent your unpaid account to them for collection.
The call could also be about an old debt you've forgotten, an account sent to Vanguard Collection Agencies by mistake, or a scam using their name. Vanguard Collection Agencies handles both consumer and commercial debt.
Ask for written proof of the debt before you confirm any personal details or agree to pay.
Who does Vanguard Collection Agencies collect for?
Vanguard Collection Agencies collects debts for creditors across retail, financial services, medical, daycare, landlord, education and government sectors.
The company doesn't publicly name its clients, but says it serves businesses of all sizes, from corner stores to large corporations.
Source: Vanguard Collection Agencies – LinkedIn
Vanguard Collection Agencies focuses on commercial debt collection. If you're a business owner and Vanguard Collection Agencies is contacting you about an unpaid invoice, the same rules apply.
Ask for written proof of the debt and check your credit report with Equifax or TransUnion before responding.
Know another company Vanguard Collection Agencies collects for?
Vanguard Collection Agencies phone numbers
These numbers are commonly associated with Vanguard Collection Agencies:
| 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 Vanguard Collection Agencies, verify the debt in writing and confirm the details before paying.
Is Vanguard Collection Agencies legitimate?
Yes. Vanguard Collection Agencies Ltd. has been operating since 1958. The BBB opened its file on Vanguard Collection Agencies in 1962. and holds an A+ rating on the Better Business Bureau.
Source: BBB – Vanguard Collection Agencies Ltd.
Some scammers pose as collection agencies. If someone claims to be from Vanguard Collection Agencies, ask for written proof of the debt before paying.
Is Vanguard Collection Agencies a licensed collection agency in Alberta?
Vanguard Collection Agencies Ltd. is registered in Alberta as a collection agency under the Collection and Debt Repayment Practices Regulation. The table below shows the confirmed licence record as of March 2026.
| Business Name | Trading As | Location | Bonded | Expiry |
|---|---|---|---|---|
| Vanguard Collection Agencies Ltd. | — | — | Yes | Jul 31, 2026 |
Source: Service Alberta – Find out if a Business is Licenced (March 2026)
What to do if Vanguard Collection Agencies 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 Vanguard Collection Agencies 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 Vanguard Collection Agencies 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 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 Vanguard Collection Agencies can sue you for an unpaid debt. As of March 2026:
| 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, Vanguard Collection Agencies can still sue you, but you can raise the expired limitation period as a defence. If you do, courts will typically dismiss the case.
Making a payment or acknowledging the debt in writing can restart the limitation period in some provinces. 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 Vanguard Collection Agencies from calling
If you want phone calls to stop, send Vanguard Collection Agencies 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 Vanguard Collection Agencies
If Vanguard Collection Agencies 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).
Vanguard Collection Agencies locations
Locations that Vanguard Collection Agencies 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
Vanguard Collection Agencies Ltd.
Also known as
Vanguard
Common variations
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
Vanguard Collections
Frequently asked questions
Vanguard Collection Agencies can garnish your wages, but only with a court order. The collection agency has to file a lawsuit, win a judgment, and then apply for a garnishment order.
Yes. Vanguard Collection Agencies reports to both Equifax and TransUnion, and a debt sent to collections can damage your credit score.
Collections stay on your report for six years, but Equifax counts from the date the debt was assigned to collections, while TransUnion counts from the date of first delinquency.
Paying the debt changes the status to paid but doesn't remove it early.
Source: Government of Canada – How long information stays on your credit report
Yes. Ask Vanguard Collection Agencies about a lump-sum settlement for less than the full amount or a monthly payment plan. Get any agreement in writing before you pay.
A settlement appears as "settled" instead of "paid in full" on your credit report, but it still closes the account.
The debt doesn't go away. Vanguard Collection Agencies can keep contacting you, suggest legal action, pursue court claims, enforce judgments, and collect.
If a court issues a judgment, they can garnish wages or freeze bank accounts.
Yes. Vanguard Collection Agencies collects both consumer and commercial debt. Commercial debt collection is their primary business.
In most provinces, commercial debt collection is not subject to the same licensing requirements as consumer debt collection.
Other collection agencies in Canada
I'm Joe Conlon, and I built CollectionAgencies.ca after struggling to find reliable information about collection agencies. I've been working in and around Canadian consumer finance since 2023. I'm not a lawyer, debt counsellor, or financial advisor. Everything on this site comes from provincial licensing records, legislation and publicly available data.