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Collection Agency

MetCredit is Canada’s top national collection agency, licensed and bonded in all Canadian provinces and territories. With a team of over 200 professionals in offices in Vancouver, Edmonton , Toronto and Montréal, MetCredit provides exceptional business debt recovery, Accounts Receivable management and specialized commercial debt collection services to credit grantors from coast to coast.

A legacy of homegrown excellence.

Founded in 1973, MetCredit’s leadership in the debt recovery and commercial collection agency industries is deeply rooted in an unwavering dedication to providing professional, reliable service and the highest ethical standards of conduct. Our practices and training are built around the importance of respect to our colleagues, our clients, their customers—and our clients’ brands. It’s central to our Code of Ethics and a critical focus that distinguishes us from all other collection agencies.

Code of ethics

Get Top Performance in a Credit Bureau Reporting Collection Agency.

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When choosing a collection agency, performance should be your number one concern.

You can’t afford to lose time while debt gets older, especially in Alberta, Saskatchewan, Ontario, Nova Scotia, New Brunswick and PEI where statutory limitations on litigation are only two years after the last written acknowledgement of a debt. For more than four decades MetCredit has held among the collections industry’s best success rates as the collection agency partner to leaders in a multitude of sectors from small businesses to banks, department stores, manufacturers and telecom companies. If we don’t collect, we don’t get paid—and you simply will not find a more experienced, more professional or better performing collection agency than MetCredit. We report delinquent accounts to national credit reporting agencies TransUnion, Equifax and Dun & Bradstreet as well as highly specialized industrial and regional credit bureaus. Our credit bureau partnerships are more comprehensive than any other collection agency in Canada, giving MetCredit an unmatched ability to restrict a debtor’s ability to secure further credit until the account with you is settled. Being the best-connected collection agency in the country also helps us the remain highest-performing one.

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Canadians Working for You, Always in Canada

The collections industry has witnessed an alarming trend of collection agencies outsourcing their call centres overseas to maximize profits. MetCredit (originally Metropolitan Credit Adjusters Ltd.) has always proudly been a 100% Canadian-owned company, and we have seen firsthand the important role we play in driving the Canadian economy forward. Our stance against outsourcing jobs keeps hundreds of Canadians working for a top employer, and gives MetCredit a major advantage in the Canadian values we share with the people we call and the clients for whom we work.


When shopping around, it’s worth asking where a collection agency’s call centres are located. For the client, our rates are no higher—and of course you don’t pay unless we collect.

It costs you no more to hire the best—and employ hardworking Canadians.
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How do I choose a collection agency?

Finding the best collection agency for your needs means looking at a range of factors: reputation, transparency and capabilities. At MetCredit, we’ve sustained an A+ rating with the Better Business Bureau since 1974 (our second year in business) and welcome you to tour our call centres.

Can a small business hire a collection agency?

Some collection agencies work only with large B2C enterprises, and at MetCredit we work with some of Canada’s largest businesses in retail, financial services and telecommunications. We also work directly with startups and small businesses of every size.

How do I send an account to collections?

MetCredit has the industry’s easiest-to-use online system for our small and medium-sized customers. Once we set you up, you can quickly send accounts for collection and upload supporting files for super-fast collection.

What if a debtor won’t pay, even if it hurts their credit?

Our experienced collection officers collect the vast majority of valid debts very quickly. On rare occasions when standard recourses fail, MetCredit’s internal legal department cost-effectively takes collection files to court. While additional fees apply, this is more affordable than hiring a lawyer, and we don’t litigate without your written consent. We often work for law firms and their clients who need to collect on an existing court judgment.

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Proprietary Collection Agency Technologies for Fast Debt Recovery

MetCredit uses numerous innovative technologies that aid in the quick recovery of delinquent accounts. Our research and development teams continually remain at the forefront of technological advances in debt collection technology in order to provide the world class results and quality of service that have become synonymous with MetCredit.

Our sophisticated recovery software and predictive dialer technologies, for example, ensure that every avenue for recovery is efficiently explored to achieve the best possible results. In-house programming and software development also allows us to tailor tools and reports to client needs.

Advanced Debt Collection Software

Our leading edge Advanced Debt Recovery Software was specifically designed by MetCredit and is not available to any other collection agency, with on-board tools and resources that help us consistently provide an unmatched level of service and the industry’s best debt recovery rates. This includes a proprietary, integrated platform that empowers MetCredit agents with the best available tools for payment recovery.

MetCredit’s Online Automated Recovery System allows for true, real-time access to your data, and provides instant analysis of results and progress. We are fully committed to leveraging leading edge collection agency technology in every aspect of the recovery process.

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Proprietary Technologies for the Best Recovery Rates

MetCredit’s regulatory compliant Advanced Predictive Dialer system dramatically increases contact rates for our consumer debt collection clients. Our Automated Contact System asks for the customer by name to reduce negative contacts, and our experienced management team strategically varies calling times to achieve the highest collection agency contact rates.

In conjunction with our proprietary Advanced Debt Recovery Software and Integrated Dialer, MetCredit makes use of an Automated Messaging System and SMS messaging to further enhance contact rates. These technologies enable us to leave specific messages with your customers at various times of the day in the ways they habitually receive communications, resulting in increased inbound calls and quicker resolutions.

Our Advanced Debt Recovery Software also leverages Intelligent Agent Scripting, which gives MetCredit collectors a distinct advantage. Based on the age, number of prior contacts and an array of other account-specific factors, our Advanced Debt Recovery Software actively prompts collectors to address missed payments, offer settlements, and perform a host of intelligence-driven actions to resolve accounts.

Call Recording—Because Recollections Can Differ

MetCredit’s has always been a leader in customer service among collection agencies, and we want our clients to feel 100% secure in our handling of their accounts. With call recording enabled, we are able to pull up specific recorded conversations for auditing and to confirm with certainty what has been said. Internally, our management team routinely performs file and call audits for employee coaching and development.

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The Collection Agency that Breaks the Language Barrier

As a top national collection agency, working in communities Canada-wide, MetCredit employs professionals who speak an amazing diversity of languages. At the time of this writing, we are able to communicate to clients and debtors in at least 20 languages including English:

Amharic, Arabic, Bosnian, Cantonese, Creole, Croatian, Farsi, Fe’fe’, French, GA, Hebrew, Hindi, Igbo, Italian, Krio, Laotian, Malay, Mandarin, Persian/Dari, Polish, Portuguese, Punjabi, Serbian, Somali, Spanish, Tagalog (Filipino), Tamil, Twi, Urdu, Ukrainian, Yoruba.

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