Sally holding a gavel

Legal Action to Recover Debt: Legal Debt Collection Services & Litigation

MetCredit. We get it.®
Billy sitting on a stack of books

Collect Overdue Legal Debt Fast!

MetCredit is Canada’s top performing national debt collection agency with offices Canada-wide and an experienced in-house legal debt collection team. Although the vast majority of our debt recovery assignments are resolved quickly using our standard contingency-based collection services, in some instances there is no option but to take legal action to recover a debt.

When litigation (suing the debtor in a court of law) is the only option to recover a debt, MetCredit’s legal department coordinates everything in-house from start to finish. For large or very complex debt collection lawsuits, we have also built a network of boutique law firms across Canada whose specialty is Small Claims Debt Collection and Divisional or Superior Civil Court Debt Litigation.

Gavel and column

Having an in-house legal department with a specialty and deep experience in pursuing commercial and commercial debt makes MetCredit a cost-effective option when pursuing legal action against a debtor. In almost all situations, our professional collectors are able to recover the client’s debt without the costs and delays of a lawsuit, but when civil court litigation is required as the final recourse to collect money owed to your business, we advise you of the costs up-front before proceeding and always require your written permission to sue. We then set out to win on your behalf.

Get Started
AI chip

Applied Artificial Intelligence for Faster Debt Collection

MetCredit leverages proprietary AI algorithms and predictive intelligence to know when a debtor is most likely and most able to make a payment. It’s one of the reasons no other collection agency collects faster or more effectively.

Stack of coins Billy sitting in a chair typing on a laptop

Collect Debt the
Easy Way – Online.

Only at MetCredit.

File folder with an infinity icon
Load Unlimited
Customer Files
Sun and the moon
Send Accounts
Day or Night
Files in the cloud
See All Your Files
In One Place
Hand holding cell phone with MetCredit website

Get the Top-Performing Credit Bureau Reporting Collection Agency.

MetCredit’s nationwide leadership in the Debt Recovery and Commercial Collection Agency industries is rooted in a half-century of professional, reliable service with the highest ethical standards of conduct. We proudly sustain the debt recovery industry’s highest success rates, and numerous clients have trusted MetCredit for decades. We report delinquent and paid accounts to Transunion, Equifax and Dun & Bradstreet — as well as regional and specialized credit bureaus across Canada.

No collection agency works harder or collects faster.

Learn More

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

Business owners know they’ll encounter hard to collect accounts receivable during their company journey. It’s ok to lean into MetCredit’s expertise. Be proactive and talk to us now, so you know exactly how to handle that scenario.

Know us. For when you need us.
Team inside a blue circle

If you need legal help or professional debt collection services to recover business debt, get started now!