As of October 2026, TSI Canada collects consumer and commercial accounts for Canadian lenders, telecom and utility providers, health organizations, schools, municipalities and provincial bodies. Collectors work from Toronto and Montreal, in English and French, under each province’s collection rules, with Quebec accounts handled in Quebec.
Results vary by portfolio, including account age, balance and type, and by client program.
Got a letter or call from TSI about your own account? Go to the Consumer Support Hub
Ten provinces, ten rulebooks
Collection agencies in Canada are licensed and regulated province by province. The Financial Consumer Agency of Canada points consumers to their own province’s rules, and those rules differ on licensing, contact times and what a collector can say.
So an agency that collects well in Ontario can still get a client in trouble in Quebec or British Columbia. That’s the risk TSI Canada is set up to remove.
Where TSI Canada works
| Sector | Accounts TSI Canada collects |
|---|---|
| Municipalities | Parking and bylaw fines, Provincial Offences Act fines, housing, utility and community service balances |
| Provincial bodies | Student loans and grants, program overpayments and other public receivables |
| Telecom and utilities | Final-billed consumer and business accounts |
| Financial institutions | Card, loan and line-of-credit balances after charge-off |
| Health and education | Patient and tuition balances |
| Commercial | Business-to-business receivables, with an in-house legal team when a file needs judgment |
TSI Canada has collected Provincial Offences Act fines for municipalities in Ontario, British Columbia and Quebec for more than 16 years.
How the work runs
- Accounts route by province
Quebec accounts go to bilingual collectors in Montreal, as Quebec requires. Accounts in other provinces are worked from Toronto, by collectors licensed in the provinces they call. - Collectors find people who moved
Collectors trace with Equifax and TransUnion data and their own tracing training, and they ask open questions when they reach a third party, without disclosing the debt. - Texts come from a registered short code
TSI Canada is registered with the Canadian Wireless Telecommunications Association and texts from the short code TSICA (36722), so people can tell the message is real. - Settlement offers go to you
When someone puts a settlement offer in writing, TSI Canada sends it to you to approve or decline. - Legal steps stay in-house
For files that need it, TSI Canada’s legal team handles the process from evaluation to judgment enforcement, with your approval at each step.
One company on both sides of the border
TSI Canada is part of TSI, which has worked in collections since 1970 and has more than 10,000 employees. Clients with accounts in both countries can place U.S. accounts with TSI’s Accounts Receivable Management (ARM) service and Canadian accounts with TSI Canada.
Accounts outside Canada and the United States are monitored by TSI Canada and worked by in-country partners.
What to ask any Canadian agency
Ask which provinces it’s licensed in today and when each licence renews. Ask where its Quebec collectors sit. Ask whether its texts come from a registered short code, and how it handles a written settlement offer.
Then ask for results on accounts like yours, by province and age at placement.
Where TSI Canada isn’t the fit: results vary a lot by sector and account age (a 2-year-old parking fine and a fresh telecom final bill behave nothing alike), so TSI Canada quotes and forecasts per portfolio.
Frequently asked questions
Does TSI Canada collect in French?
Yes. Quebec accounts are handled by bilingual collectors in Montreal, and French-speaking customers elsewhere are transferred to a bilingual collector.
Is TSI Canada licensed in every province?
TSI Canada holds the provincial licences its work requires, and its collectors are licensed in the provinces they call. Ask for the current list during procurement.
Does TSI Canada collect for municipalities?
Yes, including parking and bylaw fines and Provincial Offences Act fines in Ontario, British Columbia and Quebec.
Can one contract cover U.S. and Canadian accounts?
TSI and TSI Canada can work both under one relationship, with each country’s accounts handled under its own laws.
Talk to TSI Canada about your accounts
Tell us which provinces and account types you place, and TSI Canada will propose a contact plan and reporting for them.
General information, current as of October 27, 2026. It isn’t legal advice. Rules change and differ by state, so check the sources linked here and talk to your own counsel before you act on it.