Watch the video to see how it works 

Debt Collection Agency in Canada  

Watch the video to see how it works 

1. Costs - No Win No Fee! 

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only. 

2. Coverage in Canada 

Canada is divided into 13 provinces and 3 territories with the most populous provinces being Ontario, Quebec, British Columbia and Alberta. We recover debts throughout all of Canada with our central offices in Vancouver, Edmonton and Toronto

3. Local Experience 

Unlike many of our competitors all cases are handled by the local office or partner. The reasons for this are they speak the debtors' language, in the case of Canada there are 2 official languages in English and French along with several indigenous languages spoken. We understand the local cultures and know all the legal processes. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas. 

4. Statute of Limitation in Canada 

6 years but there are many special exemptions so whatever the age please contact us and we will advise if we can assist with your claim 
Search a country below for debt collection: 

How to Instruct Us 

We simply require the following details: 
Full name & address of the debtor 
All available contact details of the debtor i.e. contact name(s) / Tel / Mobile / Email(s) 
Amount owed (Invoice(s) or Statement will help) 
PLEASE CALL US ON +44 121 442 5330 FOR FURTHER DETAILS 
Or ask us to call you – just leave us your details: 

Case Study - EUR 4,000 recovered from Canada Debtor 

Initiation of Case 
 
A large Portuguese client in Lisbon had a debt in Montreal (Quebec), Canada for EUR 4,000. The debt related to vehicle hiring and costs associated with the return and possible damage. The debtor just ignored our client’s attempts to settle the invoice so the case was then handed over to Creditreform. 
 
Debt Collection Processes 
 
We forwarded the case together with or necessary documentation to our local partner in Canada who sent a same day initial letter to the debtor stating the amount owed and a deadline to pay. Contact was made via email and as his language was French there needed to be some documents to be translated. The partner went through all the processes and effected a full settlement of the debt. 
 
Summary 
 
The client has full confidence in our services and has no hesitation to instruct us for debts worldwide

Canada Debt Collection – No Win No Fee 

Creditreform operates a global specialist International debt collections service. We have local offices and fully approved expert international debt collection agency partners in every country worldwide. All our International debt collection agency partners and offices operate on a No Win No Fee basis charging an agreed commission against monies recovered only. All our international offices and partners initiate the collection processes by sending the debtors a debt collection letter to introduce their involvement. 
 
Main reasons why a local country debt recovery agency is so important rather than trying to recover from a debt collection agency UK are as follows: 
 
The local International Debt collection Partners know: 
 
The local cultures 
The best methods of initiating debt recovery letters and processes 
The languages 
The laws 
Are in the same time zones 
 
Herewith details of our debt collection service Canada: 

Location of debt recovery office in Canada? 

Vancouver, Edmonton, Toronto. The local head office sends all debt collection letters. 

Number of debt collection staff? 

15. Each staff member is allocated a client and all their debt collection letters are personalised in order to effect the best response result s from debtors. 

How long have you been operating a debt recovery service in Canada? 

We handle both Business to Business debt recovery cases and Business to Consumer debt collections cases. There are different templates for collecting debts from businesses and consumers. 

What type of debt collection services do you provide? Do you do commercial debt recovery (B2B) and consumer debt recovery (B2C)? 

We handle both Business to Business debt recovery cases and Business to Consumer debt collections cases. There is different content for business to business debt collection letter templates and business to consumer debt collection letters templates

Statue of Limitation in Canada? 

6 years in Canada. 
 
In Canada, the civil litigation statute of limitations sets a time limit for filing a lawsuit. This law determines how long a person has to bring a case to court. 
 
Being aware of these time constraints is important when considering legal action. If you do not file within the specified timeframe, the court may dismiss the case. 
 
The statute of limitations in Canada is 6 years. If someone acts within the time limit, they will extend the statute of limitations. Once the time period ends, the plaintiff must prove exceptional circumstances to take any legal action. 

How EU (European Union) laws effect debt collection in Canada? 

Canadian laws supersedes all EU laws for debtors residing in Canada. EU laws will have no bearing on collections whatsoever. 
 
Canada and the European Union signed a trade agreement in 2016, and they have provisionally agreed upon it. They call this trade deal 'CETA,' and it enables free trade between Canada and the European Union

How many companies registries in Canada for businesses? 

1 for each province and territory and 1 for Federal. 
 
There is 1 central company registry in Canada which is called Corporations Canada – Search for a Federal Corporation which has 13 local registries in Canada (10 provinces & 3 territories) 
Alberta - Service Alberta 
British Columbia - British Columbia Corporate Registry 
Manitoba - Manitoba Companies Office 
New Brunswick - Corporate Affairs Registry Database 
Newfoundland and Labrador - Companies and Deeds Online 
Northwest Territories - Department of Justice – Corporate Registry 
Nova Scotia - Registry of Joint Stock Companies 
Nunavut - Department of Economic Development and Transportation 
Nunavut - Department of Justice – Corporate Registries 
Nunavut - Inuit Firm Registry 
Ontario - Integrated Business Services Application 
Prince Edward Island - Department of Environment, Labor and Justice – Corporate/Business Names Quebec - Registraire des entreprises Quebec 
Saskatchewan - Saskatchewan Corporate Registry (subscription required) 
Yukon - Department of Community Services – Corporate Affa 
 
We have access to Canada Company Registry searches to find out further background information on all Canada companies. 

What is the debt collection process in Canada? 

In Canada, we do not have to send a registered mail. We can send a debt recovery letter by mail or email and wait 5 days before calling to collect on an account. 

Average length of time to collect a debt? 

The average time taken to recover a Canada B2B debt collection case varies from case to case. Average is about 45 days for the first payment. 

Can late payment fees / interest to be added to claims? 

The borrower needs to sign a contract that includes fees and interest before getting the product or service from the lender. This contract outlines the charges and costs that the borrower will need to pay. The borrower must agree to these terms before we can provide the product or service. 

Details on legal service / process in Canada? 

Legal actions and procedures differ between provinces and territories. Hence we have different guidelines for each. 
 
GDPR can complicate debt collection. Medical providers may not provide invoices upon request because of GDPR regulations. This can make it challenging to collect debts from medical providers. 
 
The other challenge would be on your end. The GDPR recognises Canada as a secure country, and we can obtain documents accordingly. 
 
A debt collection agency in Europe may not send us invoices if they are not GDPR compliant. This means they may not be following the European data protection regulations. In this case, we may not receive the necessary documentation for the debts owed to us. Compliance with GDPR by all agencies is important to ensure smooth communication and transactions. 

Canada Business Credit Reports 

Creditreform provides over 88 million international business credit reports throughout Europe and 200 million international business credit reports worldwide. We provide Canada Credit Reports. You can also obtain them after a debt becomes overdue to verify if the debtor can pay what is owed. 

Canada Skip Tracing Agents 

Creditreform uses local Canada skip tracing agents to find debtors who have disappeared for their debt collection service. This debtor tracing service charges only for a successful trace on a No Find No Fee basis. 

Specialist Debt Recovery Experts 

Recovering international debts in different countries, like Canada, has specific requirements that are different from the UK. Recovering international debts in countries such as Canada has specific requirements that differ from the UK. Having our expert international debt collection agencies handle these cases is important. Using debt collectors from the UK may not be as effective in these situations. 
 
Creditreform has a unique international debt collection method. They do not only use UK debt collectors like their competitors. We work with local offices and partners to increase our success rate. 
 
We collaborate with local offices and partners to improve our success rate. Our No Win No Fee service ensures that you only pay if we win your case. Additionally, our competitive commission rates guarantee that you receive top-notch service when we recover money for you. 

Canada Debt Collection Partners in the following Canadian Cities: 

What is the legal system in Canada? 

In Canada, the legal system mostly relies on English common law. In Canada, the legal system bases on English common law. Quebec uses a civil law system based on French law for contracts, property, family law, and private matters. Federal laws in Canada consider both common law and civil law terms when necessary. 

What is the name of the Government Gazette in Canada? 

The Gazettes in Canada are as follows: 
• The Canada Gazette / Gazette du Canada 
• The Alberta Gazette 
• The British Columbia Gazette 
• The Manitoba Gazette / La Gazette du Manitoba 
• The Royal Gazette / Gazette royale - New Brunswick provincial gazette 
• The Newfoundland and Labrador Gazette 
• The Northwest Territories Gazette / Gazette des Territoires du Nord-Ouest 
• The Royal Gazette - Nova Scotia provincial gazette 
• The Nunavut Gazette / Gazette du Nunavut 
• The Ontario Gazette / La Gazette de l’Ontario 
• Royal Gazette - Prince Edward Island provincial gazette 
• Gazette officielle du Québec 
• The Saskatchewan Gazette 
• The Yukon Gazette / La Gazette du Yukon 

Which countries border Canada? 

Canada is bordered by Alaska (USA) in west, and by 12 US states in south. It shares maritime borders with Greenland and Saint Pierre and Miquelon. 

Who are the main trading partners for Canada? 

The main trade markets for Canada are United States (USA), China, United Kingdom (UK) and Japan

What is the Supreme Court in Canada? 

The Supreme Court for Canada is called the 'Supreme Court of Canada' 

Canada Debt Collection Agency FAQs 

1. How does a Debt collection agency in Canada recover overdue debts? 

The debt collection process begins with a letter sent to the person who owes you money. This letter informs them of the amount they owe and that we are assisting with the collection process. We then follow up letters with emails and telephone calls. From our experience the most effective part of this process will be the outsourcing to a third party debt collection agency in Canada as the debtor now has to resolve the debt and can no longer hide or provide lame excuses. 

2. How long does the debt recovery agency in Canada take to process a case? 

We will process the debt collection case immediately upon receipt and send a letter normally by email and post. You will receive an automated confirmation by return. 

3. What is the success rate for debt collection agencies in Canada? 

Recovering debt successfully depends on the debtor's financial situation and whether there is a valid dispute. The debtor's financial situation plays a crucial role in the success of debt recovery. Additionally, the presence of a valid dispute can also impact the outcome of the case. Our aim is to recover every debt that is recoverable. 

4. Does the debt recovery agency in Canada operate a No Win No Fee debt collection? 

We handle debt collection cases for free, only charging a commission on the money we recover. 

5. Why use a local debt recovery agency Canada? 

A debt collection agency in Canada is preferable to one from another country. This is because they speak the local language, understand the local laws, and work in the same time zone. This makes communication and coordination easier for both parties involved. It also ensures that we carry out the collection process efficiently and effectively. 

6. Are there any debts too old or too small for Canada debt collection? 

We will review all debt cases, regardless of their age or size. We will then recommend the most effective methods for collecting them by utilising a Canadian debt collector. 

7. How do I instruct the debt collectors in Canada? 

Instructing the debt collectors Canada is a simple process. To initiate the case, you email details of the debt, debtor, and amount to be recovered. 

8. What evidence do I need to provide when instructing the Canada debt collector? 

When instructing the debt collector in Canada just provide copies of invoices/statements, debtor contact details and any relevant information you may have to assist with the recovery process. 

9. Who does the debtor pay? 

Usually, debt collectors in Canada will ask for payments to be sent to the client. If this is not possible for any reason, they will collect the payment themselves. If we take payment, we will process and send cleared funds to the client immediately. 

10. Can I instruct multiple cases? 

You can send unlimited debt case instructions. Our systems will automate volume cases to meet your requirements. 

11. Can you trace debtors in Canada? 

Through our network of skip tracing agents we have an extremely high success rate of locating your absconded debtor. 

12. How long does the debt collection process take? 

On average the debt collections process takes 90 days to resolve an amicable debt recovery case. There are a number of factors that can delay this process but we will keep you informed every step of the way. 

13. What are my options if debt collection in Canada is not successful? 

If the debt recovery service is not successful we will advise you of your options including legal actions. Please note no legal actions or other processes will be taken without prior instruction from you.