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.
Why 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.
Vanguard Collection Agencies phone numbers
These numbers are commonly associated with Vanguard Collection Agencies:
| Phone number | Type |
|---|---|
| Main | |
| User Reported | |
| User Reported |
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
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.
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 a company Vanguard Collection Agencies collects for?
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.
Will Vanguard Collection Agencies affect my credit score?
A collection account from Vanguard Collection Agencies 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
What to do if Vanguard Collection Agencies calls you (step by step)
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.
Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia
Quebec
Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon
Once the limitation period expires, Vanguard Collection Agencies 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 Vanguard Collection Agencies
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once Vanguard Collection Agencies 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 Vanguard Collection Agencies 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 Vanguard Collection Agencies
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 Vanguard Collection Agencies 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.
Legal Name
Vanguard Collection Agencies Ltd.
Vanguard
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
Vanguard Collections
