Our team combines decades of experience with licensed paralegal expertise, giving you a clear advantage in debt recovery.
We manage each account with professionalism, integrity, and precision — and we stand behind our work with a Performance Guarantee.
You pay a commission only when we successfully recover your funds, ensuring maximum value with zero risk or unnecessary costs.
At UCM, we eliminate risk.
Our Performance Guarantee means exactly that: if we don’t collect, you don’t pay a commission.
We provide professional, compliant, and customized collection services designed to recover overdue payments quickly — all while protecting your brand and client relationships.
We provide professional debt recovery solutions for businesses of all sizes, with no fees unless we recover your funds. From unpaid invoices and overdue accounts to supplier receivables, contractor debts, and lease balances, our team ensures you get paid quickly and ethically. With specialized experience in manufacturing, logistics, construction, and professional services, we are equipped to manage high-value or high-volume debts that impact your bottom line.
Our consumer collection services help businesses recover debts owed by individuals while maintaining full compliance with Canadian regulations. We serve financial institutions, property managers, credit unions, and large service providers, managing all types of consumer accounts — including medical and dental, professional services, utilities, telecom, and retail. Our collectors use a negotiation-first approach to encourage voluntary payment and preserve potential customer relationships. Your brand reputation is protected while we deliver results.
When debtors disappear, we locate them. Using advanced skip tracing tools, databases, and investigative methods, we find updated addresses, phone numbers, and employment information. Integrated seamlessly into our collection process, this service ensures we can contact hard-to-reach debtors and maximize your chances of recovery.
We report eligible unpaid accounts to Equifax and TransUnion, Canada’s two national credit bureaus, creating a powerful incentive for debtors to resolve their balance. A delinquent mark impacts borrowing power and encourages faster payment, helping you recover funds that might otherwise be lost. As part of our overall collection strategy, our team manages the entire reporting process for you, ensuring accuracy, timeliness, and maximum impact on recovery efforts.
When accounts remain unpaid, we provide legal support for undisputed Small Claims Court matters. Our services include demand letters, court filings, and judgment enforcement such as wage garnishments, bank garnishments, property liens, and asset seizures. We also assist landlords and property managers by enforcing Landlord and Tenant Board (LTB) orders. Our focus is on turning court decisions into realized cash flow by pursuing every available legal avenue to secure payment.
UCM integrates advanced artificial intelligence into its operations to optimize every stage of the collection process, from data analysis and skip tracing to debtor contact. Our system analyzes multiple data sources to verify and update contact information, helping streamline follow-ups and improve communication efficiency so our team can act quickly and effectively on every account.
At UCM, we provide professional debt collection services tailored to your business needs. Our licensed team works respectfully and efficiently to recover overdue payments while protecting your reputation. Best of all, if we don’t collect, you don’t pay.
