Agency Collection Services
Professional Debt Recovery. Managed From Start to Finish.
Your accounts are not dropped into a queue. They are assigned to a dedicated account manager who knows your portfolio, answers your calls, and is personally accountable for your results.
What Happens After You List
A Clear, Proven Collection Process
From the moment you list an account with CBS Canada, here is exactly what happens.
Account Intake
We receive your account details, verify the information, and enter it into our system. You can submit accounts in whatever format works for you.
Manager Assignment
Your account is assigned to a dedicated account manager. This is the person who will handle your file, answer your questions, and be accountable for your results.
Debtor Contact
We initiate contact with the debtor through formal demand letters, phone calls, and email. Our approach is firm, professional, and compliant with all provincial regulations.
Skip Tracing
If the debtor cannot be reached, our skip tracing team locates current contact information, employment details, and asset data using industry-leading databases and investigative techniques.
Credit Bureau Reporting
We report delinquent accounts to both Equifax and TransUnion. This creates a powerful incentive for debtors to resolve their balances and protects other creditors.
Legal Escalation
When standard collection methods are not enough, we escalate to legal action through our in-house legal team. Small claims filings, judgments, and enforcement are handled under one roof.
Monthly Remittance
Collected funds are remitted to you monthly via trust cheque, less our agreed commission. Full reporting accompanies every payment so you always know the status of your portfolio.
Your Dedicated Manager
Every client gets a named account manager. Not a call centre. Not a rotating roster. One person who knows your portfolio and is personally accountable for your results.
Meet the TeamWhat Makes Us Different
Six Reasons Clients Stay With Us
There are hundreds of collection agencies in Canada. Here is why businesses choose CBS Canada and stay.
Dedicated Account Manager
Your named contact who knows your portfolio, your industry, and your preferences. Not a different person every time you call.
In-House Skip Tracing
We locate hard-to-find debtors using advanced databases and investigative techniques. When they move, we find them.
Dual Bureau Reporting
We report to both Equifax and TransUnion, creating maximum incentive for debtors to resolve their accounts and protecting other creditors in the process.
Fully Bilingual
Our team operates in English and French with the legal knowledge and cultural fluency required for both Ontario and Quebec markets.
Transparent Reporting
Detailed monthly reports show you exactly where every account stands. No black boxes. No guessing. Full visibility into your portfolio at all times.
No Collection, No Charge
Listing your accounts costs nothing. We earn our commission only when you get paid. Your success is our success, by design.
Professional & Compliant
Your Brand Is Safe With Us
When a collection agency contacts someone on your behalf, they represent you. That is a responsibility we take seriously.
Our collectors are trained, licensed, and supervised. Every interaction is professional, respectful, and fully compliant with provincial collection legislation. We follow the rules because it is the right thing to do, and because it gets better results.
We are proud members of RMA Canada and the Canadian Security and Collection Association. Our reputation is our most valuable asset, and we protect it on your behalf.
Our Commitment to Compliance
- Licensed and bonded in all provinces where we operate
- Full compliance with Ontario and Quebec collection legislation
- Regular training and supervision for all collection staff
- Proud members of RMA Canada and CSCA
- Unblemished regulatory record since 1932
Commercial Debt Recovery
B2B Collections Require a Different Approach
Commercial debt recovery is not the same as consumer collections. The amounts are larger, the relationships are more complex, and the debtor is often another business you want to keep working with.
CBS Canada has deep experience recovering commercial debt across manufacturing, construction, professional services, and wholesale trade. We understand the dynamics of B2B relationships and collect accordingly, firmly and professionally, with an eye toward preserving the commercial relationship where possible.
Commercial Collection Includes
- Dedicated commercial collection team
- High-value account management
- Negotiated payment arrangements
- Commercial credit bureau reporting
- Legal escalation when required
- Bilingual service across Ontario and Quebec
Our Guarantee
The Simplest Guarantee in the Industry
We operate on a contingency model. There is no retainer, no setup fee, and no monthly minimum. You pay a commission on what we collect. If we do not collect, you do not pay. It is that simple.
No Setup Fees
Listing your accounts is free. Always.
Contingency Only
We earn when you get paid. Period.
Zero Risk
No collection? no charge.
Let Us Take It From Here.
List your outstanding accounts today. A dedicated account manager will be assigned to your file immediately.