Debt Collection Canada

  • Debt collection Canada – conducted locally.
  • Risk-free. Pay only upon success.
  • 19,5 % in commission.

  An international collection agency that is rated 9,4 out of 10 based on 72 reviews on Kiyoh!  international debt collection in Finland

Collection of unpaid invoices through a local Canadian debt collector.

Get paid for your claims and unpaid accounts when you have debtors in Canada. We make it easy to collect debts through our local collection agent. Our local debt collector in Canada will help you with your outstanding debts throughout the entire process. Read on to see how.

Collect money in Canada in three easy steps


1, Create your Canadian debt recovery case on our platform. (2 min)

2, Our debt collection agency in Canada starts measures for collecting money directly in Canada.

3, When the debtor pays, the money is transferred directly to you by our collection agency.

Why use Oddcoll to collect your Canadian claims?


Local debt collection in Canada where your debtors are located through our Canadian collection agency.


Specialists in local rules and regulations related to recovering unpaid debts.


You will pay nothing if we fail to collect your outstanding debts from your debtors.

How we help international companies collect unpaid debts through our local debt collector and expertise in Canadian law.

For companies with an international customer base, claims management can be a difficult part of the business.

The reason for this is that the laws and regulations of the debtor’s country stipulate the conditions for debt recovery. It is also usually in the debtor’s country that litigation needs to be taken, should it be necessary.

To help international companies overcome this problem, Oddcoll has created a debt collection platform with the best national debt collection agencies and law firms around the world.

This means that you always have at your disposal local debt collection agencies where your debtors are located.

So when you need help with debt collection in Canada, all you have to do is upload your case to our debt collection platform and let our Canadian debt collection agency start working on your case.

All you need to know about international debt collection in 60 sec.

Our debt collection agency in Canada.

Debt collection Canada

With a high level of customer satisfaction and with the best collection rate of the collection agencies we have partnered with in Canada, we are pleased and proud to introduce Advanced Collection Services Ltd. They will be handling your cases for collection in Canada.

– Could you describe your company?

My company, in business for 29 years, we are licensed nationally in Canada. Have a staff of seven. All calls from Victoria BC office. Have local, regional & National clients.

– Can you give us an overview of the collection process in Canada?

All debtors in all files must be sent a letter prior to calling, each Province has it’s own laws. We generally start the call process on day 6. We attempt to get the customer on the line & will always start for payment in full.

– What actions are you taking in the amicable stage of debt collection actions in Canada?

Letters, emails, & phone calls. We also report the collections to the Canadian reporting agencies. Legal action if necessary through Provincial lawyers.

– How successful are you in the amicable phase of debt recovery in Canada?

We will work with the customer to resolve the matter. Most people will pay if employed. If it is a corporate debt, them same applies, if in business & if the case is not disputed. I think we have a pretty good success rate.

– How does it work in Canada when you need to take legal action?

In Canada, the debtor has to be advised in writing of your legal intent. Permission is then given by the client to proceed. We will firstly ensure that legal action is worthwhile by evaluating the debtor’s financial situation.

– If you are taking legal actions in a case and you win in court, can the costs for legal actions that the client has paid for be added to the debt?

Suing in each Province is different. Some costs are taxable if you get the Judgment in court. These can be added to the debt.

About debt collection in Canada.


Below is a brief presentation of the process of recovery of unpaid debts.

  Out-of-court debt recovery in Canada.


The collection agency in Canada starts the recovery of the outstanding debt “out-of-court”.

That is, the Canadian debt collector takes action against a debtor with the intention of inducing the debtor to pay the debt voluntarily, without the need to proceed legally.

Collection actions against a Canadian debtor at this stage include collection demands, contact and negotiations with the debtor. The debt collector calls and take contackt with the debtors electronically, to recover the money owed to you.

Usually a credit report and credit score is taken on the debtor in order to plan the most appropriate measures. Based on this, it can sometimes be concluded that the most appropriate in a case may be to set up monthly payments in a partial payment plan.

The important impact of a Canadian debt collection agency making the demand is that a Canadian debtor knows that it is serious. The step to legal action is then not far. This effect, combined with the experience and specialist knowledge of the debt collection agency in Canada, means that most cases are resolved at this stage.

If the measures in the “amicable” stage of debt collection in Canada are not enough, then it is possible to go to court and sue the debtor for the amount of the debt.


The following is a brief review of the Canadian legal system regarding debt collection in Canada.

  The Canadian legal system.

How is the Canadian legal system structured?


Like the United States and Australia, Canada is a federal state. This means that it is a union of several provinces and territories with a central government. The government is based in Ottawa and from there it makes laws and regulations that apply to all people in Canada. But in addition, there are ten provinces and three territories, all of which have a degree of autonomy and the right to make laws on selected subjects where legislative power lies with the provinces.

The federal parliament thus has legislative power for the entire population on certain legal subjects, while the provinces have legislative power for their specific province on other areas of law.

What is decided at federal level? These are subjects over which they have legislative power under the Canadian Constitution. These are mainly matters in which all Canadians have an interest. E.g. criminal law, patents, postal service, etc.

At the provincial level, issues that specifically affect residents of a particular province are regulated.

How does this relate to Canadian provisions on debt collection.

Debt collection rules in Canada are primarily regulated at the provincial level. This means that each province itself stipulates regulations that determine how debtors need to be dealt with by debt collectors in Canada. In addition, there are also rules regarding the licensing of debt collection activities in a particular province or certain organisational requirements, such as client funds account requirements.

Who Can Collect Claims in Canada?

Those who are legally entitled to take collection action against debtors in Canada are: lenders, debt buyers, lawyers, and licensed collection agencies. Licences are issued for each province individually, and as mentioned above, debt collectors need to comply with provincial regulations and with provincial laws on debt collection. The rules may differ considerably from one province to another.

Pursuing a debt collection case judically in Canada:


For debt collection matters in Canada that a creditor wishes to take to court, a provincial/territorial court is the correct one to turn to. (There are also federal courts that deal more with legal matters such as intellectual property, terrorism, etc.)

Each province has two different types of courts:

– “ordinary” provincial courts, and
– “Superior” courts.

The Superior Court is the highest court in each province and deals with serious criminal or civil matters (often involving large sums of money). The judges of these courts are appointed and paid by the federal government.

The “regular” provincial courts are the ones that handle the majority of all court cases in Canada, such as “minor” serious offences and disputes over small monetary claims.

The correct court for a creditor to turn to with a Canadian debt collection claim therefore depends on the amount of the claim:

For larger sums –> “Superior” provincial courts.
For smaller amounts –> the ordinary provincial courts.

(The amount limits vary for each province, but the limit is roughly $30,000)

Appealing a judgment: Provincial and territorial courts of appeal are available for appeals of judgments, and the Supreme Court of Canada is the final court for certain cases of federal interest.

Enforcement of a judgment in Canada.


This step can be said to come after the court hearing in legal debt collection in Canada.

Enforcement of judgments deals with how a creditor has taken legal action to obtain a judgment that the debtor owes money. However, when the debtor continues to default on the debt, it is possible for creditors or debt collectors to apply for Enforcement of Judgments in order to obtain assistance from the public system in Canada to transfer assets from a debtor. Enforcement must be sought where the debtor has assets.

Before applying for Enforcement of a claim, it may be a good idea at this stage to take a credit score on the debtor to ensure that there are actually any assets to be enforced.

As with suing a debtor in court, the rules on Enforcement in Canada are fragmented and provincial. Thus, there is no uniform description of the enforcement process in Canada; it varies from province to province.

Insolvency proceedings in Canada.


Occasionally, situations arise where a Canadian company simply lacks the financial resources to repay its debts. In such cases, insolvency proceedings may be initiated, which can be said to be a leg of its own in “judicial” debt collection in Canada.

Unlike the topics discussed above, insolvency proceedings are something that the federal authorities have the exclusive right to legislate on. Thus, insolvency rules are comprehensive across Canada. Most relevant are the Bankruptcy and Insolvency Act (“BIA”), as well as the Companies’ Creditors Arrangements Act (“CCAA”). The regulations cover both bankruptcy- and reorganization proceedings in Canada.

As a supervisory body, the Superintendent of Bankruptcy is a government function with statutory responsibility for overseeing the administration of insolvency proceedings in Canada to ensure that everything is done properly and consistently.

This is how our debt collection service works.

Do you need help with debt collection in Canada? Oddcoll can solve your problems! Start a case or get in touch with us today.

See how easy it is to get started with your case!

Oddcoll is a service for international debt collection.
We make it easy for companies to get paid from their customers abroad.
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