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Canada's Debt Collection Resource — Updated 2026

Find a Licensed Collection Agency. Know Your Rights.

Provincial licensing, creditor rights, limitation periods, PIPEDA obligations, and LTB rent arrears recovery — all in one authoritative Canadian resource.

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// Verify Agency Licence
// Quick Verify

Before responding to any collection call, verify the agency's licence with your provincial regulator. Enter their name, licence number, or phone number below.

13
Provinces &
Territories Covered
2 yrs
Basic Limitation
Period (ON)
6 yrs
Credit Report
Impact Period
CDSSA
Ontario's Governing
Collection Statute
PIPEDA
Federal Privacy Law
Binding on Collectors
// Provincial Licensing Directory

Find Licensed Agencies by Province

Collection agency licensing is entirely provincial in Canada. The province where the debtor lives governs which licence is required — not where the agency is headquartered.

Key Rule: An Alberta-based agency calling a debtor in Ontario needs an Ontario licence. The debtor's province controls the licensing requirement. A US-based agency contacting Canadian debtors must hold valid provincial licences or operate through a licensed Canadian partner.
// Legal Guides

Creditor Resources

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