ASSOCIATED COLLECTION AGENCIES INC.

What ASSOCIATED COLLECTION AGENCIES INC. does

Associated Collection Agencies Inc. (ACA) is a privately held commercial debt collection agency headquartered in Westmount, Quebec, Canada, with a secondary Quebec-based contact office. The company provides B2B receivables management services to commercial creditors, offering Final Demand letters, Commercial Debt Collection, Legal Debt Collection, Judgment Enforcement, Bankruptcy Follow-up, Accounts Receivable Insurance Mitigation Reports, and a tiered suite of Background Investigation products (Business Reports, Solvency Reports, Charter Searches, and Skip Trace). Operations are supported by a web-based intake platform with online form submission, email and fax channels, and PayPal-integrated payment processing. ACA is licensed and bonded throughout North America and operates through a network of experienced litigators across Canada, the United States, and Europe to handle cross-border commercial receivables. The company's website and copyright dates indicate operations dating back over 20 years, with a recent digital refresh completed in 2024.

ACA's revenue model is primarily contingency-based, charging commissions of 20% to 50% on amounts collected depending on debt age, currency, debtor solvency, and prior placement history, with standard rates of 20% on Canadian funds and 25% on US funds for debts under one year old. Fixed-fee service lines supplement this base: bankruptcy follow-up at $75 per file, insurance mitigation reports at 3% of total debt (capped between $100 and $250), and background investigation reports priced from $65 (Charter Search) up to $285 (Special Solvency/Asset Search). The customer base consists of commercial businesses with outstanding receivables, and ACA has established referral partnerships with apparel-focused trade associations including the Canadian Apparel Federation, Canadian Apparel Credit, and Apparel Quebec. The go-to-market motion is sales-led and direct, relying on web forms, email, fax, and association referrals rather than outbound field sales or paid marketing channels.

Name

ASSOCIATED COLLECTION AGENCIES INC.

Legal name

Associated Collection Agencies Inc.

Website

https://acacollect.com

Company type

Private

Founded year

2003

Operating status

Operating

Short description

Associated Collection Agencies Inc. is a privately held Canadian commercial debt collection agency offering contingency-based debt recovery, legal collection, judgment enforcement, bankruptcy follow-up, and background investigation services to commercial creditors across North America and Europe.

Ownership category

akta.pro rank

Product category

Commercial Debt Collection Services

NAICS

Collection Agencies (561440), Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industries

Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH), International & Cross-Border Collections (FSAKAJAO), Late-Stage / Hard Collections (Charge-Off, Litigation Prep Support) (BPAAAEAD)

Keywords

• Commercial debt collection
• Accounts receivable management
• Legal debt recovery
• Judgment enforcement services
• Corporate background investigations

Headquarters

HQ city

Westmount

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others, Technology or R&D, Infrastructure

Revenue model

1. Contingency-based Collection Commission: ACA charges fees only on monies collected (contingency model). Standard rates: 20% on Canadian funds for debts under 1 year, 25% on US funds, 33% for debts over 1 year old or under $500, 40% for insolvent corporations, 50% for reassigned claims from other agencies.
2. Legal Collection Services: Legal debt collection with two options: Option 1 (client pays legal fees plus commercial collection rates) or Option 2 (ACA covers legal fees, client pays flat percentage on recoveries only).
3. Judgment Enforcement Commission: Commission of 33% on judgment amounts (debt, interest, costs), 50% on post-judgment interest. Disbursements billed separately to client.
4. Bankruptcy Follow-up Services: $75 per file for filing Proof of Claim and following up with Trustee. Proxy service available at no charge with dividends commissionable at regular rates.
5. Insurance Mitigation Reports: 3% of total debt with minimum charge of $100 and maximum of $250.
6. Background Investigation Reports: Business Reports at $145-$285, Skip Trace at $160, Charter Search at $65.
7. Final Demand Service: 10-day final demand letter sent at no charge. If debt paid within timeframe, ACA waives fees. Remaining unpaid balance placed for collection at regular rates.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Associated Collection Agencies Inc. (ACA) is a commercial debt collection agency that recovers outstanding business-to-business accounts receivable on a contingency-fee basis. Beyond standard collections, the firm provides legal recovery (litigation and judgment enforcement), bankruptcy follow-up and Proof of Claim filing, accounts receivable insurance mitigation investigations, and due-diligence background investigations (business reports, solvency reports, charter searches, skip tracing) for commercial creditors across Canada, the United States, and Europe.

Product overview

Associated Collection Agencies Inc. (ACA) offers a total solution package for commercial accounts receivable management. The company provides a suite of seven interconnected services: Final Demands (pre-collection warning letters), Commercial Debt Collection (core collection service), Legal Debt Collection (litigation services), Accounts Receivable Insurance Mitigation, Judgment Enforcement, Bankruptcy Follow-up, and Background Investigation. The Background Investigation service includes six sub-products (Business Reports, Solvency Reports, Charter Searches, and Skip Trace) that support credit assessment and debtor location. All services can be accessed through online forms, and payments are processed via PayPal integration.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Debt Collection
• Final Demands
• Legal Debt Collection
• Judgment Enforcement
• Bankruptcy Follow-up
• Accounts Receivable Insurance Mitigation
• Background Investigation - Business Report
• Background Investigation - SPECIAL Business Report
• Background Investigation - SOLVENCY Business Report
• Background Investigation - SPECIAL Solvency Report (Asset Search)
• Background Investigation - Charter Search
• Background Investigation - Skip Trace

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• Canadian Apparel Federation (CAF)coreChannel Partner/ Reseller/ DistributorACA is a recommended collection agency for members of the Canadian Apparel Federation. Association members receive access to ACA's commercial debt collection services.
• Canadian Apparel Credit (CAC)coreChannel Partner/ Reseller/ DistributorACA is a recommended collection agency for members of CAC (Canadian Apparel Credit), providing specialized collection services to apparel industry credit professionals.
• Apparel QuebeccoreChannel Partner/ Reseller/ DistributorACA is a recommended collection agency for members of Apparel Quebec, supporting the Quebec apparel industry with professional debt collection services.

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• IC System Inc. Large US-based debt collection agency serving commercial creditors across North America with contingency and legal recovery services, directly comparable to ACA's commercial collections business model.
• National Credit Recovery Inc. Commercial collection agency focused on B2B receivables recovery, contingency-based pricing, and legal follow-up; comparable geographic and service overlap with ACA.
• Transworld Systems Inc. North American commercial collection agency offering contingency-based recovery, legal network, and international collections, very closely aligned with ACA's core offering.
• Credit Bureau Collection Services (CBCS): Canadian commercial debt collection agency serving trade creditors and businesses, offering very similar services to ACA including commercial collections and legal recovery.
• Professional Bureau of Collections Inc. Canadian commercial collection agency with business recovery and legal follow-up services, serving a similar SMB creditor base in the apparel and trade verticals as ACA.
• EOS Holdings (Canada) Inc. International debt collection group with operations in Canada, providing commercial receivables management and legal collection services in the same markets as ACA.

Regional players

• TRI-VAL Corporation: Canadian commercial collection and legal recovery firm serving trade and apparel creditors; comparable to ACA's vertical focus and Canadian footprint.

Broad incumbents

• Experian Business Information Reports: Large-scale credit bureau offering business credit reports and commercial data products that compete with ACA's Background Investigation and skip tracing offerings.
• Equifax Canada Business Reports: Major credit bureau providing commercial credit reports and data products in the same market as ACA's business report and due-diligence sub-services.

Emerging players

• AccuSourceHR / Background Investigation Bureau: Background screening and business investigation services provider overlapping with ACA's Background Investigation sub-product line (Business Reports, Skip Trace, Charter Search).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ASSOCIATED COLLECTION AGENCIES INC.