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