Empresa de cobrança de dívidas no Canadá - Sem recuperação, sem honorários
A sua Empresa de cobrança de dívidas de confiança no Canadá. Descubra soluções de recuperação rápidas, sem taxas iniciais, e domine as práticas de cobrança canadianas com o nosso guia completo.
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Porquê escolher a Debitura para a cobrança de dívidas no Canadá
Cobrança de dívidas rápida, simples e sem riscos no Canadá
Debitura connects you with Kingston Data & Credit Inc., a licensed collection agency in Cambridge, Ontario, active since 2011 and a member of the Receivables Management Association of Canada and the Credit Association of Greater Toronto. Kingston Data & Credit handles the regulated collection work; Debitura is the platform you use to submit, track and get paid.
- Risk free: pay only when we recover your money.
- Fast setup: submit an invoice in a few clicks, no paperwork.
- Real-time tracking: monitor every step from one dashboard.
- Parceiro verificado: A Kingston Data & Credit é licenciada e tem o seu desempenho monitorizado pela Debitura.
Comece a recuperar as suas dívidas no Canadá em minutos
- Submit your claim: upload your unpaid invoice through the Debitura dashboard, the REST API, or an ERP integration such as Xero or QuickBooks. Add supporting documents in a few clicks, no paperwork and no setup fee.
- Local collection begins: your case is assigned to Kingston Data & Credit Inc., who starts amicable contact with the debtor on your behalf. If legal action is ever needed, you approve a fixed-price quote before anything proceeds, so nothing is spent without your consent.
- Track and get paid: follow every update in real time on your dashboard, from the first reminder to the final payment, with a notification at each milestone. Recovered funds are remitted to you as soon as they clear, and you pay only on success.
Preços transparentes e baseados no sucesso
Com a Debitura, você só paga se tivermos sucesso. A cobrança pré-judicial funciona no modelo 'sem sucesso, sem honorários': uma Comissão de sucesso é deduzida dos valores recuperados, faturada localmente pelo seu parceiro. As taxas dependem do país do devedor, não do seu.
- Devedores na Europa (UE, Islândia, Liechtenstein, Noruega, Reino Unido e Suíça): Comissões de sucesso a partir de 6%, dependendo do valor do crédito.
- Devedores no resto do mundo: Comissões de sucesso a partir de 7,5%, dependendo do valor do crédito.
- Créditos mais antigos: uma sobretaxa é aplicada para créditos com 12 a 24 meses de atraso e para créditos com mais de 24 meses.
- Ação judicial é opcional: você aprova orçamentos de preço fixo antes de qualquer gasto judicial.
Consulte a página de preços para a tabela completa de taxas, ou obtenha uma estimativa instantânea ao enviar um pedido de cobrança.
Como funciona a cobrança de dívidas no Canadá?
Debt collection in Canada begins with an amicable phase run by Kingston Data & Credit Inc., Debitura's licensed local partner: reminders, a formal demand and negotiation aimed at full payment or a written repayment plan. Most straightforward claims settle at this stage. If the debtor still does not pay, escalating to a court-based enforceable title is a separate step you approve, never automatic.
- Amicable collection resolves most undisputed claims without court involvement.
- Escalation to legal action requires your explicit approval of a fixed-price quote.
- Every step is tracked in your Debitura dashboard from first contact to payment.
Os quatro passos da fatura não paga ao dinheiro recuperado
- Step 1 - Amicable collection: reminders, a formal payment demand and negotiation, handled by a licensed local partner. Most undisputed claims resolve at this stage, without going to court.
- Step 2 - Enforceable title: if the debtor still does not pay, your partner assesses the legal route to an enforceable title and you approve a fixed-price quote before anything proceeds.
- Step 3 - Enforcement: with an enforceable title in hand, the competent enforcement authority can attach wages, bank funds and other assets until the claim is recovered.
- Step 4 - Insolvency: if the debtor turns out to be insolvent, a proof of claim is filed on your behalf and any distribution is monitored and reported back to you.
Every step is tracked in your dashboard, and nothing escalates without your approval. The full detail for Canada, including timelines, costs, courts and enforcement, follows in the guide below.
Cobrança de dívidas no Canadá - o guia completo de 2026
This guide explains how debt collection works in Canada: the amicable phase, the courts, enforcement and insolvency. Canada has no single national court system or limitation period, so this guide uses Ontario, the largest province by claim volume, as a worked example throughout.
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Por que você pode confiar neste guia
Na Debitura, mantemos os mais altos padrões de imparcialidade e precisão para trazer a você guias abrangentes sobre Recuperação internacional de crédito. Nossa equipe editorial possui mais de uma década de experiência especializada neste domínio.
Perguntas ou feedback? Envie-nos um e-mail para contact@debitura.com , atualizamos este guia com base na sua contribuição.
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- Mais de 10 anos focados em Recuperação internacional de crédito
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- Mais de 100 milhões de dólares recuperados para clientes nos últimos 18 meses
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Liderado por especialistas, validado localmente
Escrito por Lars Holdgaard, Fundador da Debitura (+10 anos em recuperação global de dívidas B2B). Cada página é revista por advogados locais de topo para garantir a precisão legal e passos práticos que pode utilizar.
Especialistas locais contribuintes:
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Cobrança de dívidas no Canadá - respostas rápidas
Quanto custa cobrar uma dívida no Canadá?
Court fees vary by province, since Canada has no national court-fee schedule. In Ontario, the largest province by claim volume, filing a Small Claims Court claim costs $108 for an occasional filer or $228 for a claimant filing 10 or more claims a year, plus $144 to issue a garnishment notice and $68 for a writ of seizure and sale or an examination notice; these are Ontario figures only. Filing fees are separate from Debitura's own success-based fee, which is covered later in this guide.
Quanto tempo leva um processo de cobrança de dívidas no Canadá?
There is no fixed national timeline. Amicable collection typically runs weeks to a few months before an escalation decision. In Ontario, claims up to the province's $50,000 Small Claims Court limit (effective 1 October 2025) and claims of $200,000 or less in the Superior Court of Justice both follow a mandatory Simplified Procedure under Rule 76.02 of the Rules of Civil Procedure, built to move faster than a full trial track; no province publishes a guaranteed end-to-end duration, since it depends on court backlog and whether the claim is contested.
Qual é o prazo prescricional para ações de cobrança de dívidas no Canadá?
Canada has no single national limitation period; each province sets its own. In Ontario, used here as a worked example, the basic limitation period is 2 years from discovery of the claim under the Limitations Act, 2002, s.4, extendable to an ultimate 15 years from the act or omission under s.15(2). A debtor's written acknowledgment or part payment resets the 2-year clock under s.13, so keeping dated correspondence of any such acknowledgment is useful evidence if a claim is later disputed.
Que juros posso cobrar sobre um pagamento em atraso no Canadá?
Where a contract sets no interest rate, the federal Interest Act, s.3, applies a default annual rate of 5%, and s.4 requires that any rate stated for a period shorter than a year disclose its annual equivalent, a protection against disguised high interest rates. In Ontario, once a claim reaches court, the Courts of Justice Act, ss.127-130, sets prejudgment and postjudgment interest at a bank-rate-linked figure republished quarterly; the most recently published rate is 2.5% prejudgment and 4.0% postjudgment (Q1 2026), and costs are awarded at the court's discretion under s.131.
Que documentos preciso para cobrar uma dívida no Canadá?
Courts generally require the underlying invoice or contract, proof of the goods or services provided, and a record of amicable contact attempts. In Ontario, a Small Claims Court claim is filed with the prescribed claim form together with supporting documents, or an explanation for why none are attached. Keeping this documentation organized from the start of the amicable phase shortens the eventual court filing step if escalation becomes necessary.
Que via legal devo usar para cobrar uma dívida no Canadá?
The route depends on claim value and province, since Canada has no uniform small-claims ceiling. In Ontario, claims up to $50,000 go to Small Claims Court, a branch of the Superior Court of Justice; claims up to $200,000 in the Superior Court itself follow the mandatory Simplified Procedure; larger or more complex claims proceed through ordinary Superior Court proceedings, with the Divisional Court hearing appeals. A creditor uncertain which route applies to a specific claim should confirm the current limit and procedure in the debtor's own province before filing, since limits change over time, as Ontario's own 2025 increase shows.
Is Ontario representative of the rest of Canada?
No. Ontario is used throughout this guide only as a worked example because it is Canada's largest province by claim volume; no verified small-claims limit, limitation period or court-fee figure for any other province is presented here. Treat every Ontario figure in this guide as illustrative, and confirm the applicable rule in the debtor's own province before relying on it. The federal insolvency rules covered later in this guide are the exception: those apply uniformly across Canada.
| Ontario figure (worked example) | Amount / period |
|---|---|
| Small Claims Court limit (from 1 Oct 2025) | $50,000 |
| Prazo prescricional básico | 2 years from discovery |
| Ultimate limitation period | 15 years |
| Simplified Procedure ceiling (Superior Court) | $200,000 |
| Small Claims filing fee (occasional / frequent filer) | $108 / $228 |
Because these figures are set separately by each province, a creditor with debtors in more than one province should expect different court fees, deadlines and monetary limits for each case; only the federal insolvency rules discussed in Step 4 below apply the same way nationwide.
Quem faz o quê na cobrança de dívidas no Canadá?
Three types of professional handle debt recovery in Canada: collection agencies work the amicable phase, court enforcement officers execute judgments once a court order exists, and lawyers handle contested or higher-value claims. Regulation of each role sits mostly at provincial level, since Canada has no single national regulator for any of them.
Agências de recuperação de crédito
A collection agency contacts the debtor to negotiate payment before any court step. In Ontario, used here as a worked example, agencies must register under the Collection and Debt Settlement Services Act (R.S.O. 1990, c. C.14) and are overseen by the Registrar at Consumer Protection Ontario, part of the Ministry of Public and Business Service Delivery and Procurement. Regulation 74 caps contact to 3 attempts in any 7-day period within set hours and bans harassment. Debitura's advantage: we work only with a licensed, performance-tracked partner, Kingston Data & Credit Inc., so you never need to vet a collector's registration or conduct history yourself.
Court enforcement officers
Once a judgment is obtained, a court enforcement officer, in Ontario operationally the sheriff, carries out garnishment and writs of seizure and sale under the Rules of Civil Procedure. Provincial fees apply for these steps, for example $144 for a garnishment notice and $68 for a writ of seizure and sale or an examination notice in Ontario. These officers act only once a court has issued an enforceable title; they play no role during the amicable phase.
Advogados
A lawyer becomes necessary once a claim is contested or exceeds the Small Claims Court limit, since Superior Court proceedings in Ontario generally call for legal representation beyond the Simplified Procedure track. Debitura's partner assesses whether legal escalation is warranted, and you approve a fixed-price quote before any legal cost is incurred, so a lawyer is only engaged with your explicit sign-off.
Quais leis e tribunais se aplicam à cobrança de dívidas no Canadá?
The civil court system in Canada
Canada has no single national civil court system; each province and territory runs its own courts, while insolvency matters are carved out to federal law. In Ontario, used here as a worked example, civil claims start in the Superior Court of Justice, with Small Claims Court operating as a branch of the Superior Court for smaller claims, and the Divisional Court hearing appeals. A creditor pursuing a debtor based in a different province needs to confirm that province's own court structure and limits before filing, since Ontario's structure is not universal.
Legislação fundamental
Two federal statutes apply to insolvency nationwide: the Bankruptcy and Insolvency Act (R.S.C., 1985, c. B-3), which governs personal and corporate bankruptcy and consumer proposals, and the Companies' Creditors Arrangement Act (R.S.C., 1985, c. C-36), which applies only above $5,000,000 in total claims for large corporate restructuring. Ordinary civil claims and their limitation periods, by contrast, sit at provincial level; in Ontario the governing statute is the Limitations Act, 2002, and collection-agency conduct is regulated under the Collection and Debt Settlement Services Act (R.S.O. 1990, c. C.14), renamed from the Collection Agencies Act in 2013. Numerous equivalent provincial statutes exist elsewhere in Canada, none of which are cited here since they fall outside this guide's verified Ontario worked example.
Consumer protection in debt collection (Ontario worked example)
In Ontario, Regulation 74 under the Collection and Debt Settlement Services Act sets specific consumer protections: a collector cannot contact a debtor until 6 days after a prescribed written notice is sent (s.21), and permitted contact hours run 7am-9pm on weekdays and 1pm-5pm on Sundays only, capped at 3 contacts in any 7-day period, with harassment, threats and undue pressure banned (s.22(6)). These protections are set provincially and vary outside Ontario, so a licensed local partner, rather than a generic national script, is the practical way to stay compliant with whichever province's rules apply to a given debtor.
Etapa 1 - Como funciona a cobrança amigável (pré-judicial) de dívidas no Canadá?
Amicable collection is the first stage of debt recovery in Canada: a licensed collection agency contacts the debtor to negotiate payment before any court step. In Ontario, used here as a worked example, agencies are registered under the Collection and Debt Settlement Services Act (R.S.O. 1990, c. C.14) and regulated by the Registrar at Consumer Protection Ontario, part of the Ministry of Public and Business Service Delivery and Procurement.
Ontario's Regulation 74 sets specific rules for this phase: a collector cannot contact the debtor until 6 days after a prescribed written notice is sent (s.21), and permitted contact hours are 7am-9pm on weekdays and 1pm-5pm on Sundays only, capped at 3 contacts in any 7-day period, with harassment, threats and undue pressure prohibited (s.22(6)). These rules exist to keep the amicable phase fair to the debtor while still giving the creditor a genuine opportunity to recover payment without court cost or delay.
| Timeline (typical, Ontario example) | Ação |
|---|---|
| Day 0 | Prescribed written notice sent to the debtor |
| Day 6 | Earliest date direct contact is permitted (Reg. 74, s.21) |
| Day 7-60 | Reminders and negotiation within the permitted contact windows |
| Dia 60-90 | Case reviewed for escalation if the debtor remains unresponsive |
Escalation to a court-based enforceable title is considered only once amicable contact has been exhausted and the debtor still has not paid or agreed a repayment plan; this decision, and any legal cost, requires your approval. Most straightforward, undisputed claims never need to go beyond this stage.
Etapa 2 - Como obter um título executório no Canadá?
Canada has no single national small-claims threshold or civil procedure; each province runs its own courts and rules. In Ontario, the largest province by claim volume, claims of $50,000 or less go to Small Claims Court, a branch of the Superior Court of Justice, following the increase to that limit effective 1 October 2025.
Claims above the Small Claims threshold and up to $200,000 in the Superior Court of Justice itself must follow the mandatory Simplified Procedure under Rule 76.02 of the Rules of Civil Procedure, a streamlined track built for mid-value claims. Larger or more complex claims proceed as an ordinary Superior Court action, with the Divisional Court hearing appeals. Choosing the correct track matters, since filing in the wrong court or outside the correct procedure can delay a claim rather than speed it up.
If either party disagrees with the outcome, an appeal to the Divisional Court is possible, which adds time before a judgment becomes final; this is a further reason a creditor should weigh the size and strength of a claim before escalating past the amicable phase described in Step 1.
Filing an Ontario Small Claims Court claim costs $108 for an occasional filer or $228 for a claimant filing 10 or more claims a year. If the debtor does not respond within the prescribed time, the creditor can apply for a default judgment without a full hearing; if the debtor defends the claim, the matter proceeds under the applicable track described above, which typically takes longer and costs more than an undefended claim. Once judgment is granted, prejudgment and postjudgment interest apply at the rate most recently published under the Courts of Justice Act, ss.127-130 (2.5% prejudgment and 4.0% postjudgment for Q1 2026), and costs are awarded at the court's discretion under s.131. A creditor should weigh these potential costs against the claim value before deciding to escalate past the amicable phase described in Step 1.
Etapa 3 - Como funciona a execução de dívidas no Canadá?
Once a judgment is granted, Canada has no single national enforcement authority; each province runs its own. In Ontario, used here as a worked example, the sheriff, operationally referred to as a Court Enforcement Officer, carries out enforcement under the Rules of Civil Procedure.
In practice, a creditor typically starts with an examination in aid of execution under Rule 60.18 to identify the debtor's assets and income, limited to once every 12 months, then proceeds to a garnishment notice against wages or bank funds under Rule 60.08, or a writ of seizure and sale against non-exempt property, as appropriate. The Execution Act (R.S.O. 1990, c. E.24) exempts up to $10,000 of household goods, up to $5,000 of a vehicle, tools of trade, and equity in a debtor's principal residence up to the statutory limit, so enforcement recovers what the debtor can afford to lose rather than everything they own.
A judgment from another Canadian province or territory is not automatically enforceable in Ontario. Under the Reciprocal Enforcement of Judgments Act (R.S.O. 1990, c. R.5), a creditor can register a judgment from another reciprocating province or territory, other than Quebec, for enforcement in Ontario within 6 years of the original judgment, without relitigating the claim. This matters for a creditor who obtains judgment in one province against a debtor who later moves, or holds assets, in Ontario. In practice, a creditor should instruct enforcement promptly once judgment is granted, since a debtor's assets and location can change, and the mechanisms described above are the only enforcement tools available in Ontario.
Etapa 4 - Como os procedimentos de insolvência afetam a recuperação de dívidas no Canadá?
Insolvency law in Canada, unlike civil claims and court procedure, is entirely federal and applies nationwide under the Bankruptcy and Insolvency Act (R.S.C., 1985, c. B-3) and, for large corporate restructuring, the Companies' Creditors Arrangement Act (R.S.C., 1985, c. C-36). This is the one area of Canadian debt recovery where the rules are identical regardless of the debtor's province.
Types of proceeding
An individual or business becomes an "insolvent person" under the BIA once liabilities reach $1,000, the threshold at which creditors can also apply to force an entity into involuntary bankruptcy. A debtor can instead file a consumer proposal to renegotiate up to $250,000 of unsecured debt, repayable within 5 years, under BIA ss.66.11 and 66.12, which can extend a creditor's recovery timeline but often improves the total amount eventually recovered compared to liquidation. Large corporations facing more than $5,000,000 in total claims can restructure under the CCAA instead of liquidating, continuing operations under court supervision while a plan is negotiated. All bankruptcy filings are administered by a Licensed Insolvency Trustee, licensed and overseen by the federal Office of the Superintendent of Bankruptcy.
Creditor process: proof of claim and priority
To participate in a distribution, a creditor files a Proof of Claim with the trustee. Under BIA s.136(1), the trustee pays claims in a fixed order: administration costs and the BIA levy first, then unpaid wages, taxes, a landlord's arrears of rent, and finally ordinary unsecured creditors, all subject to whatever secured creditors are owed against specific assets. Unsecured creditors typically recover only a partial dividend, if the estate has funds left after higher-ranked claims, which is why an early, accurate Proof of Claim filing matters more than in a straightforward civil enforcement case.
Discharge and outcome
A first-time bankrupt is automatically discharged after 9 months if the bankruptcy is unopposed, or 21 months if opposed, under BIA s.168.1; a second bankruptcy extends this to 24 or 36 months. Once discharged, most debts are released, so a creditor's practical recovery window closes at that point unless a dividend has already been paid from the estate. This is why creditors are generally advised to file a Proof of Claim promptly once notified of a bankruptcy, rather than waiting.
Taxas, juros e quem paga o quê no Canadá
- Our fee: success-based, No Cure No Pay (see pricing).
- Court and enforcement fees: apply only if the case escalates to legal action, and are separate from Debitura's own fee. In Ontario, a Small Claims Court filing costs $108 (occasional filer) or $228 (frequent filer), a garnishment notice costs $144, and a writ of seizure and sale or an examination notice costs $68; these are Ontario figures only, since Canada has no national court-fee schedule, and other provinces set their own.
- Statutory debtor items: where a contract sets no interest rate, the federal Interest Act applies a default annual rate of 5% (s.3), applicable from the amicable phase onward. Once a claim reaches an Ontario court, prejudgment and postjudgment interest instead apply at the rate most recently published under the Courts of Justice Act (2.5% and 4.0% respectively for Q1 2026).
- Who keeps what: the recovered principal is yours; statutory interest and any recoverable court costs follow the rules above and are added to what you recover, never deducted from it.
Cross-border debt collection in Canada
Canada is not a party to the 2005 Hague Convention on Choice of Court Agreements, so a foreign judgment is not automatically recognized here on that basis. A creditor holding a foreign judgment against a Canadian debtor generally needs to bring a separate recognition action, or start proceedings for the underlying debt directly in the debtor's province, rather than relying on treaty-based automatic enforcement.
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A Kingston Data & Credit Inc. é uma agência líder em recuperação de crédito em Cambridge, que oferece serviços eficazes de recuperação de crédito no Canadá, posicionando-se como o parceiro de referência com uma sólida reputação desde 2011, servindo o Canadá e os Estados Unidos, e reconhecida por prémios e associações da indústria.
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A Debt Recovery Resources é uma empresa de cobrança de dívidas de primeira linha nos Estados Unidos, que oferece serviços eficazes de cobrança de dívidas sem risco, reconhecida como uma das 10 melhores empresas de cobrança de dívidas em 2022 e membro da CLLA, em parceria exclusiva com a Debitura para soluções Sem recuperação sem honorários.
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