Collection Agencies

Collection agencies When a consumer has an account with a business that is “past due” or in default, the business may turn the account over to a collection agency. Collection agencies fall under provincial/territorial jurisdiction and must follow the rules and regulations of the region in which they operate.

Learning More About Collection Agencies

The Office of Consumer Affairs (OCA) promotes the interests and protection of Canadian consumers and provides consumer information to help them make informed decisions. The Take Charge of Your Debt section also offers information on collection agencies.

The Canadian Consumer Handbook provides tips, contacts, and other information for consumers, including information on collection agencies. The Handbook is produced as a partnership by the Consumer Measures Committee, a group of senior federal, provincial, and territorial government consumer affairs officials.

Provincial and Territorial Information

Choose your province or territory from the list above for information that applies to where you live.

For residents of Ontario

The Ministry of Consumer Services helps educate, protect and serve consumers in Ontario by ensuring a fair, safe and informed marketplace. Its website offers useful information and tips for dealing with collection agencies.

For residents of Quebec

Services Québec offers citizens and businesses throughout Quebec a single, multiservice window for simplified access to public services. The consumer section of the Services Québec website offers useful information and tips on a number of consumer issues, including collection agencies.

The Office de la protection du consommateur enforces legislation under its jurisdiction, informs consumers collectively and individually, educates consumers, receives complaints, and fosters dialogue among consumer marketplace participants.

Its website provides detailed information on collection agencies and their practices, as well as on consumer rights and responsibilities under the Consumer Protection Act.

For residents of Nova Scotia

Service Nova Scotia and Municipal Relations is responsible for enforcing consumer protection legislation in the province and providing information products and services to consumers, notably through Access Nova Scotia.

The consumer awareness section of the Access Nova Scotia website provides information for consumers on a number of issues, including collection agencies.

For residents New Brunswick

For more information on this topic, you may wish to contact your territorial consumer affairs office. They can be reached at:

Financial and Consumer Services Commission
Kings Place (King Tower)
440 King Street
Fredericton, New Brunswick E3B 5H8
Telephone: 506-453-2659
Toll Free : 1 866 933-2222
Fax: 506-444-4494
Email: info@fcnb.ca
Website: www.fcnb.ca

For residents of Manitoba

Consumer and Corporate Affairs, a division of Manitoba Family Services and Consumer Affairs, helps educate, protect and serve consumers by building consumer confidence in the marketplace and by providing responsive client services.

The Consumer and Corporate Affairs website provides information and tips for consumers on a number of issues, including information on consumers rights regarding collection practices.

For residents of British Columbia

Consumer Protection BC is a not-for-profit corporation which delivers consumer protection services throughout British Columbia. Consumer Protection BC is dedicated to promoting a fair marketplace for consumers and businesses and enforcing consumer protection laws in BC.

Their website offers useful information and tips for consumers on collection agencies, including your consumer rights, frequently asked questions about debt collection, and how to file a collections complaint.

For residents of Prince Edward Island

The Consumer Services section of the Prince Edward Island Department of Environment, Labour and Justice provides consumers with information and guidance so that they can make informed decisions. They are also responsible for protecting the public through licensing and regulation of certain individuals, businesses and non-profit enterprises.

Their website provides information for consumers on a number of issues, including their rights and responsibilities when dealing with collection agencies.

For residents of Saskatchewan

The Ministry of Justice and Attorney General is responsible for the regulation of consumer and marketplace relations in Saskatchewan. Their website offers useful information and tips for consumers on a number of issues, including information on collection agencies.

For residents of Alberta

Service Alberta works to ensure a fair marketplace for both buyers and sellers by investigating consumer complaints, enforcing consumer protection legislation and providing information products and services to consumers.

Service Alberta's website contains consumer information and tips on a variety of consumer issues, including tip sheets on debt repayment and collection practices under the the Fair Trading Act and the Collection and Debt Repayment Practices Regulation.

For residents of Newfoundland and Labrador

Service NL provides accessible, responsive services to residents in many areas, including public health and safety, environmental protection and consumer protection.

Service NL regulates the business practices of collection agencies within the province. Their website provides information for consumers on their rights and responsibilities when dealing with collection agencies, as well as answers to frequently asked questions.

For residents of Northwest Territories

The Department of Municipal and Community Affairs (MACA) supports capable community governments in order to provide a safe, sustainable and healthy environment for community residents. MACA is also responsible for consumer protection in the Northwest Territories.

For residents of Yukon

Consumer Services is a branch of the Yukon Department of Community Services. Its primary goal is to create and encourage a fair, efficient and informed marketplace for businesses and consumers.

The Consumer Services website provides information and tips for consumers on a number of issues, including collection agencies.

For residents of Nunavut

For more information on this topic, you may wish to contact your territorial consumer affairs office. They can be reached at:

Consumer Affairs, Department of Community and Government Services
267 Qaiqtuq Building
P.O. Box 440
Baker Lake, Nunavut X0C 0A0
Telephone: 867-793-3303
Toll Free: 1-866-223-8139
Fax: 867-793-3321
Email: Laupaluktuq@gov.nu.ca
Website: www.gov.nu.ca/english/