What Collection Agency Does Hydro-Quebec Use?
Last updated: February 2026
If you have an unpaid account with Hydro-Quebec, your debt can be assigned to a third-party collection agency.
| Agency | Source |
|---|---|
| ARM Collection Agency | Consumer reported |
Based on user submitted entries, consumer reports and public records. They don't represent confirmed business relationships with Hydro-Quebec. Always verify the agency's identity before making any payment.
What happens if you owe Hydro-Quebec money?
Hydro-Quebec 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, Hydro-Quebec assigns or sells the debt to a collection agency. The agency then contacts you directly.
Why is Hydro-Quebec 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.
What to do if Hydro-Quebec 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 (Hydro-Quebec), the account reference, and the total amount.
- Cross-check the amount against your Hydro-Quebec 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 Hydro-Quebec directly?
Sometimes. Contact Hydro-Quebec'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 Hydro-Quebec account lowers your credit score and stays on your report for 6 years from the date of last activity in most provinces.