Which collection agency does your creditor use?
Search by creditor name to see which debt collection agencies they work with and who may be contacting you about an unpaid account.
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What does it mean when a company sends you to collections?
When you fall behind on a bill, most companies first try to collect the debt themselves through an internal collections or recovery team.
If that fails, the account is handed to a licensed collection agency and, in some cases, sold outright to a debt buyer. That is usually when an unfamiliar number starts calling, and the debt shows up on your credit report. Each creditor page above lists the collection agencies consumers report hearing from about that company's debts, along with the phone numbers they call from.
Which collection agency does your creditor use?
Most large Canadian creditors work with more than one collection agency, and the one calling you can change over time. Look up the company you owe, for example RBC, Telus, Rogers, BMO or the Canada Revenue Agency, to see the agencies collecting on their behalf.
If you only have a missed call, use the phone number lookup to identify who it was, or browse the full A-Z list of debt collectors to check any agency's licence.
Know your rights before you pay
Whether it's a bank, a telecom, a utility or a parking operator behind the call, the collection agency chasing the debt must follow your province's rules on how and when it can contact you.
Before paying anything, ask the collector to verify the debt in writing and confirm the agency is licensed where you live.
Our guides explain what a collection agency can and can't do and how to stop collection calls.