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What is a Collection Agency?

Canada Collection Agency

AAB has a strategic alliance with a fully licensed and bonded Canada collection agency. They handle our consumer and commercial debt collection in Canada. The main reason for our strategic alliance is collecting debt in Canada is subject to a completely different legal system and far more severe collection agency regulations than here in the US. The situation is such that collecting debt in Canada without being provincial registered opens the agency and Client to possible liability, hence our alliance with a Canada collection agency.

The Canada collection agency, Priority Credit Recovery or PCR is a member of the PCR Group of companies. AAB is also a member of the PCR Group and even though we share some of the same ownership and management, AAB and PCR are separate legal entities. However, PCR is fully licensed, bonded and insured to collect debt in Canada.

AAB protects our US Clients from collection liability in Canada

The biggest reason for our alliance is to protect our US Clients from any potential liability in Canada. Many of our competitors here in the US have no second thought about collecting debt in Canada even though they are not a registered Canada collection agency. Unless you are fully licensed and bonded in the Canadian province you are collecting in, it is basically illegal for a US collection agency to collect consumer or commercial debt in Canada.

The costs for a US collection agency to be licensed and bonded provincially in Canada are very high compared to the US. In addition, a Canada collection agency has to store data on servers located in Canada. While Canada and the US share a friendly relationship there are distinct differences, especially when it comes to data privacy in Canada. In most provinces in Canada for example, a lawyer can be subject to severe discipline under law should they be caught storing confidential data outside of Canada.These are just some of the regulations that affect a Canada collection agency.

If you have Canadian accounts that need to be collected be very wary of dealing with a collection agency that collects debt in Canada, without being a licensed agency in Canada. Should you or a collector make a mistake and should a worst case scenario happen, you could be drawn into expensive litigation in Canada.

Listing Canadian debt with AAB is like listing direct with a Canada Collection Agency

PCR is a highly respected collection agency in Canada with blue chip references. Anytime AAB receives a Canadian account for collection it is immediately transferred to PCR for collection. We can monitor the file progress or you can deal direct with PCR. Our main concern is ensuring your account will be collected legally under the licensed protection of a Canada collection agency.

Some of our AAB Clients deal direct with PCR to collect debt in Canada. We don’t mind as PCR has some of the most experience collection veterans in Canada. We know our Clients will be treated with respect and collection results.

We encourage you to contact PCR direct or give us a call and we can take care of the details. Either way our prime concern is to shield you from any potential liability when you collect debt in Canada. You can find the contact info here for PCR, our Canada Collection Agency.
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