How to improve your accounts receivable process
Simple steps to shorten payment cycles, reduce overdue balances and keep customer relationships strong.
Read more →
Debt Guardian Services
Professional debt collection & receivables management across Canada
Strategic, technology-enabled recovery solutions that protect revenue, preserve relationships and deliver measurable results.
Book a free consultationCustomer-Focused Recovery
Technology-Enabled Solutions
Compliance-Driven Approach
Real-Time Reporting & Transparency
A debt collection agency with nationwide expertise
Debt Guardian Services provides comprehensive debt collection and accounts receivable solutions: first-party collections, third-party recovery, AR support and debt purchasing. We work with organizations across many industries, from single accounts to large portfolios.
Strategic account management
Trained professionals combine effective negotiation with an approach tailored to each portfolio, with consistent account oversight.
Flexible service models
Solutions built around your business, from individual accounts and ongoing AR support to larger debt portfolios.
Debt collection and accounts receivable services
Choose the level of support your business needs, from early follow-up to legal escalation.
First party collections
We act as an extension of your internal team, providing professional payment follow-up and early-stage account management while keeping customer relationships positive.
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Third party collections
Consumer and commercial debts handled with expertise, so overdue accounts are recovered efficiently and professionally.
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Litigation support
When appropriate, accounts can be escalated to litigation, with legal action considered based on account circumstances and recovery options.
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Skip tracing
We locate hard-to-reach debtors using verified data sources and in-depth research, so contact details stay current and recovery can move forward without delay.
Learn moreIndustries we support
Our recovery models adapt to the way your industry bills, communicates with customers and manages risk.
HealthcareClinics and providers
TelecomService providers
UtilitiesEnergy and water
RetailStores and e-commerce
Financial servicesLenders and fintech
PropertyLandlords and managers
EducationSchools and colleges
LegalLaw firms
AutomotiveDealers and leasing
CommercialB2B suppliers
WORK PROCESS
We Follow Simple Steps For Your Financial Freedom
01.
Personalized Service
02.
Promptness
03.
Results
Why businesses trust Debt Guardian Services
Recovering money should never cost you a customer relationship. Here is how we protect both.
Compliance first
Every contact follows applicable collection rules, protecting your brand and the people we speak with.
Respect for your customers
Calm, professional conversations that keep goodwill intact and make payment easier.
Clear reporting
Stay informed with real-time visibility into account status and recovery progress.
Tailored strategy
Each portfolio gets its own plan, not a one-size-fits-all script.
Full recovery path
From early reminders to skip tracing and litigation support, all under one roof.
Flexible engagement
Single accounts, ongoing AR support or large portfolios. You choose the scale.
Strengthen your receivables. Improve your recovery.
Contact us for a free consultation and discover tailored solutions that improve recoveries, strengthen cash flow and support your business.
Book a free consultation
CALL US ANYTIME
416-257-1456
Toll free: 1 (866) 920 1456
Fax: 905 910 0240
What our clients say about us
★★★★½
After struggling with debt for years, I reached out to Debt Guardian Services. Their team was incredibly supportive and knowledgeable. They created a personalized plan that worked for me. I’m now back on track and feeling hopeful about my financial future!
Alexender Hobbs★★★★★
I was overwhelmed by my debt and didn’t know where to turn. Debt Guardian Services offered me a clear path forward. Their team was patient and understanding, and they truly cared about my situation. I’m grateful for their support!
Sally WatsonInsights from our blog
Practical advice on debt recovery, receivables management and your rights as a consumer.
First-party vs third-party collections: what is the difference?
Understand when to follow up in-house and when to bring in a professional collection agency.
Read more →What to do when a collection agency contacts you
Know your options, your rights and the practical steps to resolve an account with confidence.
Read more →Received a letter or call from us?
You may have an account with one of our clients. Take a breath: you have options, and we will treat you with understanding and respect.
Serving clients coast to coast
Based in Woodbridge, Ontario, we provide collection and receivables support nationwide.
Ontario (head office)British ColumbiaAlbertaSaskatchewanManitobaQuebecNew BrunswickNova ScotiaPEINewfoundland and LabradorThe Territories
Frequently asked questions
Did you get a call, letter, or email?
You may have an account with one of our clients. They have engaged us to help resolve your account. You can use the payment portal to pay off the account, make a single payment or set up payment arrangements. You may also contact us to request more information or to dispute the debt.
I’m a victim of identity theft and this is a fraudulent charge. What can I do?
If you have an Identity Theft Report, email a copy to us using the Dispute form (paste the report in the Other section) or send it by mail with a copy of our communication showing your name and account number. Consider reporting the theft to the police, the creditor’s fraud department and the credit bureaus.
I can’t afford to pay this bill right now. What can I do?
There are options that can make payments affordable, including multi-month repayment plans. Call one of our professional collectors, who will treat you with understanding and respect to create a workable solution.
I don’t recognize this bill. What can I do?
Check your transaction history for date, time, location and vendor against your card or bank statements. Ask anyone with access to your payment accounts. Also look for recurring payments or subscriptions, such as a free trial that has ended.
If I pay my debt, will you remove it from my credit bureau?
We send regular updates to the credit bureaus to reflect payments. Once you pay, we update our records to show paid in full or settled in full. If the creditor entered the record, we notify them and they update it within 60 days.