What Collection Agency Does Heart of the Family Childcare Centre Use?
Last updated: April 2026
If you have an unpaid account with Heart of the Family Childcare Centre, your debt can be assigned to a third-party collection agency.
| Agency | Source |
|---|---|
| Dixon Commercial Investigators | Consumer reported |
Based on user submitted entries, consumer reports and public records. They don't represent confirmed business relationships with Heart of the Family Childcare Centre. Always verify the agency's identity before making any payment.
What happens if you owe Heart of the Family Childcare Centre money?
Heart of the Family Childcare Centre will attempt to collect internally first with reminder letters, phone calls, text messages and emails.
If the account stays unpaid after 90 to 180 days, Heart of the Family Childcare Centre assigns or sells the debt to a collection agency. The agency then contacts you directly.
Why is Heart of the Family Childcare Centre sending me to collections?
Unpaid bills, outstanding account balances, or unresolved charges. Accounts typically go to collections after 90 to 180 days of non-payment.
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 to do if Heart of the Family Childcare Centre sends you to collections
- Don't acknowledge the debt or make a payment until you've confirmed it's legitimate.
- Request written verification: the original creditor's name (Heart of the Family Childcare Centre), the account reference, and the total amount.
- Cross-check the amount against your Heart of the Family Childcare Centre records.
- If valid: pay in full, negotiate a settlement or set up a payment plan.
- If you don't recognise the debt, dispute it in writing.
Can I deal with Heart of the Family Childcare Centre directly?
Sometimes. Contact Heart of the Family Childcare Centre's customer service or billing department. Some companies will recall accounts from collections if you arrange payment directly with them.
Will this affect my credit score?
Yes. A collection entry from an unpaid Heart of the Family Childcare Centre account lowers your credit score and stays on your report for 6 years from the date of last activity in most provinces.