What is EOS Canada?
EOS Canada (EOS CCA) is a debt collection agency in Canada that helps creditors recover money from their customers. They have locations in Ontario, British Columbia and Quebec.
If they contact you, it is most likely to recover a debt owed to a creditor.
Is EOS Canada a scam?
EOS Canada Inc is a legitimate debt collection agency. Expect to receive frequent calls, voicemails and letters by mail from them.
Typically, these calls show up on your Caller ID as EOS Canada, EOS CCA or Transworld Systems Canada. They have recently rebranded as Transworld Systems Canada, so you may see this name appear on your caller ID or credit report.
If you receive a call, and it disconnects after you answer, they may be using an autodialer, which calls multiple numbers and connects with the first person to answer. This is nothing to be concerned about.
However, debt collection scam calls are common, and there have been instances where people have reported EOS CCA scam calls. Many fake companies impersonate legitimate collection agencies, so you should always request more information in writing.
Ensure the debt collector supplies their name, the creditor’s name, and the amount owing in the written notice.
When a collection agency contacts you, they must introduce themselves for identity purposes.
Here’s a tip: always independently verify the debt is legitimate when a debt collection agency contacts you.
Why is EOS Canada calling me?
If EOS Canada is calling you, they are likely calling to collect a debt on an unpaid account.
At this point, you can communicate with the collection agency or get advice from a Licensed Insolvency Trustee, who can help you resolve your debts and recommend the best debt relief option based on your circumstances.
If you do not believe you owe money, contact the debt collector to resolve the issue.
Who does EOS Canada collect for?
EOS Canada is a debt collection agency that works with student loan companies, government agencies, banks, telecommunications companies (such as Bell Canada), credit card companies and loan providers to help them recoup unpaid debts. They also collect Ontario student loan debt.
What can EOS Canada do?
When a collection agency receives your account from the creditor, they must first make a reasonable effort to notify you in writing.
EOS Canada may also attempt to contact your employer, neighbours or friends to obtain up-to-date contact information.
A debt collector like EOS CCA will attempt to reach you by calling, emailing and sending letters by post.
What are my rights when dealing with EOS Canada?
Debt collection agencies must carry out fair debt collection practices in line with the law. EOS Canada cannot use harassment to make you pay, and they must follow a code of conduct that dictates what they can and cannot do:
- Debt collectors must identify themselves every time they contact you.
- A debt collector is not permitted to make false or misleading representations to collect a debt.
- Debt collectors are not allowed to harass, threaten, or intimidate you.
- They cannot use threatening, profane, intimidating, or coercive language.
- Debt collectors are not permitted to exert undue, excessive, or unreasonable pressure.
Contact the consumer affairs office in your province or territory for EOS Canada complaints.
EOS Canada keeps calling me, is this allowed?
Typically, debt collection agencies can only contact you between 7:00 am and 9:00 pm, Monday through Saturday.
On Sundays, some provinces allow collection agencies to call between 1:00 pm and 5:00 pm, but some don’t. They are not permitted to contact you on statutory holidays.
These rules vary depending on where you live in Canada:
| Monday to Saturday | Sunday | |
|---|---|---|
| Alberta | 7am – 10pm | 1pm – 5pm |
| British Columbia | 7am – 9pm | 1pm – 5pm |
| Manitoba | 7am – 9pm | Not allowed |
| New Brunswick | 7am – 9pm | 1pm – 5pm |
| Newfoundland and Labrador | 8am-10pm | 1pm – 5pm |
| Northwest Territories | 7am – 9pm | 1pm – 5pm |
| Nova Scotia | 8am-9pm | Not allowed |
| Nunavut | 9am-7pm | 1pm – 5pm |
| Ontario | 7am – 9pm | 1pm – 5pm |
| Prince Edward Island | 8am-9pm | Not allowed |
| Quebec | 8am-8pm | Not allowed |
| Saskatchewan | 8am-9pm | Not allowed |
| Yukon | 7am-9pm | Not allowed |
You can request that a collection agency only contact you in writing, but you must do so in writing and by registered mail. Include your address and phone number in your letter.
How to stop EOS Canada calls
If you are experiencing financial difficulties, a Licensed Insolvency Trustee can provide free debt advice.
Stop collections: request a free consultation with a Licensed Insolvency Trustee by video, phone, or in person.
Get startedDoes EOS Canada hurt my credit score?
Ignoring collection action from EOS Canada can severely harm your credit for many years, making it more difficult to obtain credit from lenders. If you have an account in collections, it often appears in the public records section of your credit report as EOS CCA or Transworld Systems Canada. An item may also appear in the inquiries section.
Collections lower your credit score and remain on your credit report for six years.
Can EOS Canada take me to court?
Ignoring calls from EOS Canada can lead to legal action, such as wage garnishments.
However, a statute of limitations governs how long a creditor or debt collection agency can pursue legal action against you regarding unsecured debt.
The clock begins to tick from the date you acknowledged the debt (or when you made your last payment).
The time limit for debt collection varies depending on where you live:
| Province or territory | Limitations period |
|---|---|
| Alberta, British Columbia, Newfoundland and Labrador, Ontario and Saskatchewan | 2 years |
| Manitoba, New Brunswick, Nova Scotia, Prince Edward Island, Nunavut, Yukon and the Northwest Territories | 6 years |
| Quebec | 3 years |
The time limit is reset if you admit you owe the money or make a payment, giving the collection agency more time to take legal action.
How to deal with EOS Canada
If you are not sure that you owe any money, request to have more information sent to you in writing, but do not admit to owing the debt.
If you don’t want to deal with the collection agency on your own, a Licensed Insolvency Trustee can assist you.
A trustee can provide you with the best financial advice possible, stop collection calls, and quickly eliminate your debts.
EOS Canada phone numbers
The main EOS Canada collection agency phone number is (844) 239-0876.
EOS Canada contact centres are available 8:30 am to 9:00 pm local time, Monday through Friday, and half days on Saturdays.
Toronto, Ontario: (416) 291-2113 or (844) 239-0732
Vancouver, British Columbia: (604) 540-1200 or (844) 239-0737
Montreal, Quebec: (514) 383-5711 or (844) 239-0733
Their website is: Transworld Systems Canada
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