We aim for a 100% success rate. If, for any reason, we can’t collect, you won’t be charged. That is our commitment to you.
At Unik Credit Management, we understand that every unpaid debt represents lost time, energy, and revenue for your business. That’s why we combine professionalism, ethics, and proven strategies to maximize recovery while protecting your reputation. With a client-first approach and decades of experience, we work diligently to turn overdue accounts into real results — because your success is our success.
Our Story
Built on Experience. Driven by Trust.
Established in 1975, Unik Credit Management was founded as a family-owned agency and later expanded through the merger of three established firms. This growth helped shape UCM into the trusted national leader it is today, grounded in ethics, professionalism, and proven results.
Years of experience
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millions recovered
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FAQ
When can I use a collection agency?
You can use a collection agency as soon as an account becomes overdue. Traditionally, businesses have waited 90 to 120 days past the due date to send accounts for recovery.
However, in today’s challenging economic climate, it’s often best to act within 60 days, to maximize the likelihood of successful recovery while maintaining positive client relationships.
Why shouldn’t a creditor wait too long before submitting an account for collection?
You shouldn’t wait because the recoverability of a debt decreases sharply over time.
According to the National Retail Credit Association, a debt’s value can drop by 55% after one year — and nearly 30% within the first 90 days of delinquency.
Delaying collection also means other creditors may act first, leaving fewer funds available.
Submitting accounts early ensures your claim receives priority attention and the highest chance of full recovery.
What industries do you serve?
We serve clients across virtually every sector of business, handling everything from consumer collections to B2B commercial recovery. Our clients include businesses in construction, professional services, education, leasing, property management, healthcare, finance, manufacturing, and logistics. Every file is managed with the same commitment to professionalism, compliance, and results.
How do I place an account for collection?
You can submit accounts securely through our online form, by email, or by phone.
All we need are the debtor’s contact details and basic supporting documents such as invoices or contracts.
Once received, our team begins the recovery process within 24–48 hours.
Is it legal for me to disclose debtor information to a collection agency?
Yes. You are legally permitted to disclose the personal and account information necessary for a collection agency to recover an outstanding balance.
When a debtor fails to meet their contractual obligations, you have a legitimate business interest in recovering that debt.
Canadian privacy laws — including PIPEDA and applicable provincial regulations — recognize this right and allow creditors to share relevant contact and account details with a licensed collection agency, strictly for debt recovery purposes.
At Unik Credit Management (UCM), all information you provide is handled with the highest level of confidentiality and used solely for lawful recovery efforts, in full compliance with all provincial and federal privacy legislation.
What is your fee structure?
At Unik Credit Management (UCM), you only pay a commission if we successfully recover your funds — that’s our Performance Guarantee.
There are no up-front fees or hidden costs.
For detailed rate information or a custom quote, please contact us to discuss your specific needs.
What happens if the debtor cannot be located?
We use advanced skip-tracing tools to identify updated addresses, phone numbers, and employment information.
This allows us to continue recovery efforts even when contact information has changed or gone inactive.
What are my options if collection efforts fail?
If recovery attempts are unsuccessful, we’ll consult with you directly to discuss the next steps.
For undisputed accounts, you can choose whether to proceed with legal action.
At Unik Credit Management (UCM), our licensed paralegals handle these procedures internally, so there’s no need to outsource or hire a separate law firm.
This seamless transition ensures continuity, efficiency, and full compliance, maximizing your final chances of recovery.
Do you enforce judgments or orders obtained in court/tribunal?
Yes. Unik Credit Management (UCM) specializes in enforcing Small Claims Court judgments and Landlord and Tenant Board orders.
Our licensed paralegals handle all enforcement steps internally — such as wage garnishments, bank garnishments, property liens, and asset seizures — ensuring every legal avenue is pursued to convert your judgment into recovered funds.
Why does Unik Credit Management report unpaid accounts to the Credit Bureau?
At UCM, we actively report eligible unpaid accounts to Equifax and TransUnion.
This creates a formal record of the debt that can affect a debtor’s credit rating and borrowing power, providing a strong incentive to pay.
Credit Bureau reporting is handled ethically and in full compliance with federal and provincial regulations, protecting our clients’ financial interests.
How do you ensure our customer relationships are protected?
At Unik Credit Management (UCM), we use respectful, negotiation-first strategies to resolve outstanding accounts without harming your client relationships.
Every interaction is guided by professionalism, transparency, and empathy, ensuring debtors are treated fairly and your brand image remains intact.
All communications comply fully with provincial and federal collection laws, ensuring your reputation is protected at every stage.
