What is Wiggins Adjustments?
Wiggins Adjustments Ltd., also known as TCM Canada, is a third-party collection agency. It collects consumer and commercial debts on behalf of businesses across Canada.
The head office is in Langley, BC, with offices in Calgary, Edmonton, Saskatoon, Winnipeg and Toronto.
Wiggins Adjustments is a shareholder of the TCM Group, an international debt collection network. This means it handles international collections as well as Canadian accounts.
Source: Wiggins Adjustments – About Us
Wiggins Adjustments was founded in 1929. The BBB lists the business start date as October 1, 1929.
Source: Better Business Bureau – Wiggins Adjustments Limited
Why is Wiggins Adjustments calling me?
Wiggins Adjustments is calling because a business you owe money to hired it to collect. The original creditor decided to send your unpaid account to a collection agency rather than chase it themselves.
Sometimes the debt is genuine. Other times it's old, already settled, or belongs to someone else entirely.
Don't confirm anything over the phone. Ask for written verification first. Get the original creditor's name, the amount claimed, and your file number before you discuss anything or make a payment.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Wiggins Adjustments phone numbers
These numbers are commonly associated with Wiggins Adjustments:
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| Local Office | |
| Local Office | |
| Local Office |
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 Wiggins Adjustments, verify the debt in writing and confirm the details before paying.
Who does Wiggins Adjustments collect for?
Wiggins Adjustments collects for businesses of all sizes across many industries. The most common consumer complaints about Wiggins Adjustments involve private parking tickets, especially those issued by Diamond Parking.
Source: Better Business Bureau – Wiggins Adjustments Limited Complaints
Consumer reports link Wiggins Adjustments to three creditors, most often in parking.
| Industry | Consumer-reported creditors |
|---|---|
| Parking |
Know another company Wiggins Adjustments collects for?
If Wiggins Adjustments contacts you about a parking ticket, the same debt collection rules apply as for any other type of debt.
Is Wiggins Adjustments legitimate?
Yes. Wiggins Adjustments Ltd. is a legitimate, licensed collection agency that has been operating in Canada since 1929.
Wiggins Adjustments is BBB accredited with a B rating. The BBB accreditation dates back to March 15, 1990.
Source: Better Business Bureau – Wiggins Adjustments Limited
Wiggins Adjustments claims membership in ACA International (formerly the American Collectors Association) on its website. As of March 2026, no record of Wiggins Adjustments appears in ACA International's public member directory.
Will Wiggins Adjustments affect my credit score?
A collection account from Wiggins Adjustments 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 Wiggins Adjustments calls you (step by step)
Your rights when Wiggins Adjustments contacts you
Debt collection rules differ by province, but in Canada, there are regulations on what Wiggins Adjustments can do when they contact you.
Wiggins Adjustments can't make false or misleading statements, use profane or coercive language, or apply unreasonable pressure. Wiggins Adjustments can't keep contacting you at work after you've told them not to.
Every time Wiggins Adjustments contacts you, it has to identify itself.
Source: Government of Canada (FCAC) – Debt collection: know your rights
Red flags: how to spot a scam
Scammers sometimes impersonate debt collectors, including real companies like Wiggins Adjustments.
A scammer typically refuses to name the original creditor, threatens arrest, jail, or deportation, demands payment by e-transfer, gift card, or cryptocurrency, and refuses to send anything in writing.
Verify the debt using contact details from the official website before paying.
Source: Government of Canada (FCAC) – Dealing with a debt collector
What if the debt is old?
Every province has a time limit on how long a collection agency like Wiggins Adjustments 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, Wiggins Adjustments 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 Wiggins Adjustments
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once Wiggins Adjustments 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 Wiggins Adjustments 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 Wiggins Adjustments
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 Wiggins Adjustments 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
Wiggins Adjustments Ltd.
TCM Canada
TCM Group
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
Wiggins Adjustment
