Tel : 1-800-463-9692

Courriel : [email protected]

asked question

Your credit management
specialist since 1975



Do collection agencies have to abide by any rules/law?

Yes, they have to abide by the Collection Agencies Act, which set out a strict code of ethics for collection agencies.

How long does a creditor have to proceed with legal action regarding an outstanding account?

Since January 2004, a person may initiate court proceedings within 2 years of a debt claim being past due (some exceptions may apply).

For small claims court matters, can anyone sue on behalf of an individual and/or a business?

In Ontario, since 2008, an individual and/or business can only be represented by a lawyer or paralegal licensed by the Law Society of Upper Canada.

Why shouldn’t a creditor wait too long before submitting an account for collection?

The National Retail Credit Association Research Department reports that debts can devalue as much as 55% after one year.

What is the purpose of having a collection agency list an outstanding account with the Credit Bureau on my behalf?

Once an account is listed against a company /individual with the Credit Bureau, it will hamper any chance of this company/individual getting any type of credit for a period of 6 years.


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    You have been absolutely amazing to deal with and I really wanted to thank you for all your help over the past 2 seasons with Collections. I can honestly say both your company and yourself have greatly impressed me. You have created a stellar relationship with our business and I am looking forward to continuing it for many more years to come!

    Erin, Accounts Receivable Manager
    Ottawa Senators Hockey Club

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    Professionalism is very important to our firm, which is why, along with being very satisfied with their high rate of recovery for our delinquent accounts, we find UCM (Unik Credit Management)’s approach, recommendations, effectiveness and professionalism in handling these matters to be most appropriate and cost effective to our firm.

    Director of Administration
    Raymond Chabot Grant Thornton

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    Unik’s representatives are well-trained and provide excellent follow up with our accounts. We certainly appreciate the easy and simplicity of transferring clients’ debts to Unik. Unik’s staff is respectful of the relationship that we have had with our clients while at the same time they are very successful at recovering past debts.

    Darlene MacInnis , Office Manager
    Nutri-Lawn Ottawa

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    Our best move was switching over to UCM (Unik Credit Management) for our collection services.
    My personal experience with them shows that they really know their way around court/legal representation and it clearly reflects on their recovery rate, which is much better than what we were getting from our previous collection agency.

    Credit Manager
    Surgenor National Leasing / Hertz Rentals

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    We were referred to UCM (Unik Credit Management) and switched over to them after not being too pleased with the rate of recovery we had with a national collection agency. UCM.’s rate of success surpassed our recovery expectations; they even had a high rate of recovery on accounts that had previously been assigned to the national collection agency.

    Director of Student Loans
    Federation des Caisses Populaire

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