Got a Debt Collection Question?

Yes you can. Visit our secure online payment page where you can use a credit card or debit card to pay, and find out how to use Interac eTransfer or make a payment through online banking.

When your account is processed by MetCredit for collection, the full amount is due and payable immediately. A short-term arrangement may be possible in some cases, but we must first review your financial situation. Speak to one of our helpful representatives at 1-888-797-7727 to find out more.

There are a wide variety of sources you can explore. In the case of lenders, credit is granted based upon many factors. If your credit rating has some issues, you may still be able to obtain a loan designed to help you consolidate or repay debt. See our list of alternative lenders or call our office at 1-888-797-7727 for assistance.

Everyone’s situation is unique, but chances are many people in circumstances similar to your own have received help from banks, family, relatives, private lenders or finance companies, or accessed retirement savings, GICs, government bonds, advances from employers or available holiday pay. Contact one of our representatives at 1-888-797-7727 if you need help finding additional options.

If the account has been settled in full or paid in full, email letters@metcredit.com and we’ll issue a letter stating your account has been satisfied. Please include your full name and account number.

You need to pay the debt. Call us at 1-888-797-7727 or if you know your account number, you can pay online, via Interac eTransfer or online banking.

We update the credit bureaus daily, but the reporting may not immediately reflect changes. Your credit score is independently calculated by each credit bureau.

For information regarding your credit file or in case of a discrepancy, contact the credit bureaus directly at the following links:

• TransUnion Canada
• Equifax Canada
• Dun & Bradstreet Canada

Email creditreporting@metcredit.com if you have a question or concern regarding a collection record that our agency has reported to the credit bureaus. Please include your full name and account number.

We’re very sorry about that. Telephone numbers are recycled and mistakes can happen across various databases. We don’t want to contact anyone in error any more than you like to be bothered. Use the report a wrong number form, and we’ll quickly correct our records. Important: if you are indeed responsible for a debt, it must be paid—and will continue to affect your credit score until it is. Falsely updating our information will not make the debt go away, and will lead to problems and barriers down the road (see next question).

Because collection agencies report to credit bureaus, until you pay the balance owing, your credit score will continue to be impacted. Not only will your credit rating be lower, but when you go to apply for a loan, mortgage or auto lease, the account in collections will be noted in the lender’s report and your application is likely to be declined. You may also be turned down from certain jobs or other opportunities where a credit check is required. It’s also important to know that paying the debt does not instantly remove the record (which can last for up to seven years), but the collection agency will update the file to show the account is paid in full—which looks much better to a lender than an unpaid file in collections.

Getting started couldn’t be easier. Just complete this simple form and a business debt collection specialist will contact you within one business day. The paperwork is minimal—we need to know about the debt, and have the documentation and authorization to collect it for you. We’ll walk you through the process step-by-step—and get you paid!

Yes—in fact MetCredit’s online file submission tool is the simplest and most comprehensive you’ll find. Its friendly interface puts all the records and information we need to collect effectively in one place, and you can use it day or night (something busy business owners value). You can also upload as many accounts as you need to. For our large B2C clients, we have a separate, highly specialized system to track and manage numerous consumer accounts for recovery.

You can send an account to a collection agency any time after the invoice due date. Traditionally that has been between 90 and 120 days past the due date in order to maximize the likelihood of successful recovery, but in challenging economic times the new recommendation is 60 days. To see how the recoverability of an account is affected by time, try our Debt Recovery Calculator.

The reality is, when a customer stops paying your bills, the relationship is already broken. When you send the file for collection, you are not only asserting the payment obligation (and you deserve to be paid), but you are creating an opportunity to reset the business relationship. Our agents are uniquely trained at at Solution-Oriented Recovery™ to collect with maximum efficacy while preserving your brand reputation and rehabilitating customer relationships. We help the customer find ways to pay, while establishing a high payment priority for your business in future transactions. Customers that don’t return are probably not the kind you can afford to have!

MetCredit is Canada’s top-performing commercial and consumer debt collection agency, in business since 1973, with offices in Vancouver, Edmonton, Toronto and Montréal. We hold an A+ rating with the Better Business Bureau and follow an ethical, professional approach to collectors and debtors alike.

MetCredit applies its proprietary “Solution-Oriented Recovery™” methodology, which focuses on respectful, relationship-preserving collection for commercial and consumer accounts. We employ advanced technology (including AI-enabled skip-tracing and MyMetCredit, our secure online client platform), and our results consistently outperform industry benchmarks.

Yes. MetCredit is licensed and bonded in all Canadian provinces and territories where collection agencies must hold local licences. We also adhere to provincial and federal collection-agency legislation and maintain professional liability insurance.

When you refer an overdue account to MetCredit, we immediately load the debtor information into our secure system, begin contact (typically within 48 hours of placement), negotiate payment or settlement, report to credit bureaus where applicable, and provide full status reporting to you. Existing clients use our exclusive MyMetCredit system to load files anytime 24/7. Our goal is always recovery that complements your customer relationships.

Yes. When an account is transferred to a collection agency, it typically results in a “collection” entry on your credit report — which can lower your credit score and remain visible for several years. Accounts in collection are visible to lenders or anyone running a credit check.

MetCredit serves virtually every business sector, including telecommunications, healthcare, auto-deficiency, heavy equipment, professional services, retail, government receivables, estate collections and more. Because we understand different industry dynamics, we tailor our approach accordingly.

MetCredit has traditionally worked on a contingency-fee basis for standard placements — meaning you pay only when we collect. Our fee structure can vary depending on the industry and the age of the debt. Collections has become increasingly complex, and there are fees associated with certain activities, especially when accounts have to go to litigation as a last resort. Our fee structure is transparent, tailored to type of debt (commercial vs consumer), size of account, and specific recovery strategy. Additional costs are always disclosed in advance. For specific pricing, contact us.

MetCredit uses proprietary software, AI-enabled skip-tracing and analytics to locate debtors, determine optimal contact strategies and monitor recovery progress. Our MyMetCredit client portal gives you real-time updates. This technology supports faster, more efficient, and more compliant collections.

Deciding when to hand over a debt to a collection agency like MetCredit is a strategic move—done at the right time, it protects your cash flow, reputation and resources.

Signs it’s time:

1. The invoice is 90 + days overdue (or at your company’s internal threshold), you’ve done your own follow-up calls/emails, yet the debtor is unresponsive or requesting unreasonable extensions.
2. Your in-house collections efforts are costing staff time and internal morale, distract from core business operations, or risk damaging customer relationships.
3. The debtor’s financial status appears unstable or they’ve changed contacts/locations—a sophisticated agency can handle skip-tracing and asset discovery.
4. You’re at risk of allowing the claim to become statute-barred (in Canada, many provinces limit legal action after 2 years of inactivity. See the Statutes of Limitation).
5. You want professional, brand-safe recovery: A collection agency brings formal structure, ethical practices (eg. MetCredit’s Solution-Oriented Recovery™), regulated compliance and reporting to the credit bureaus.

Benefits of acting early:

• Recovery rates drop the longer a debt sits idle—data shows swiftly placed accounts have a higher chance of resolution.
• Avoids escalation costs (legal fees, writs, court actions) which consume resources and may erode margins.
• Preserves your relationship with the debtor—or at least avoids harmful tactics that hurt your brand.

What to ask the agency before you refer: (See our blog)

In sum: If the debt is past your internal collections limits, consuming time, and you seek fast, professional, ethical recovery, that’s the moment to bring in MetCredit. We’re ready when you are.

When a collection agency contacts you in Canada, you have clear rights. Understanding them helps you engage confidently—and understand how a reputable agency like MetCredit operates.

Key consumer rights:

• You are entitled to written notice of the debt: the agency must identify itself, state who the creditor is, and the amount owed.
• Contact restrictions: Agencies can only call during certain hours (for example, 7 a.m.–9 p.m. Mon-Sat; Sunday 1-5 p.m. in many provinces), and they cannot call holidays.
• No harassment: They cannot threaten you with arrest, use obscene or abusive language, call you repeatedly to the point of harassment (e.g., more than three calls in seven days in many jurisdictions. Calls that you do not answer are not considered in this count).
• They cannot add unauthorized fees to what you owe; only legally permitted fees or interest in the original contract may apply.
  If you dispute the debt, you can ask the agency to provide verification and direct further contact to written form.

How MetCredit complies (and why that matters):

• We maintain full provincial licensing and surety bonding, so you’re dealing with a regulated entity.
• Our agents are trained in Solution-Oriented Recovery™, emphasising respect, confidentiality and brand-safe communication.
• We provide clear written communications and transparent statements. If you’re the debtor, you will receive documentation identifying the creditor, the amount and your rights.
• We restrict our contacts to compliant hours, track call volumes to avoid harassment, and avoid aggressive tactics that could damage your or our client’s reputation.
• If you believe MetCredit (or any agency) has breached your rights, we provide you clear instructions how to file complaints with provincial regulators.

Bottom line: If you’re contacted by MetCredit, you can expect a professional, rights-respecting approach. If you feel your rights aren’t being respected, stop, request written info and escalate as needed.