A debtor that owes money

General information

What are the advantages to quickly settle a debt in collection?
• Improve your credit score and preserve your credit reputation. • Reduce the interest that accumulates, if applicable. • Avoid debt accumulation and break the vicious circle of indebtness. • Benefit from the advantages of amiable settlement. • Preserve the relationship with the supplier of goods or services.
Where are your offices located?
  • We have three (3) operational centers:

    • Shawinigan, 795, 5e Rue de la Pointe, G9N 1G2
    • Longueuil, 2025, rue de la Métropole, Longueuil, J4G 1S9
    • Hawkesbury, 151, Main Street East, Hawkesbury, K6A 2H8
What are your business hours?

We are opened from Monday to Thursday from 8 a.m to 8 p.m and Friday from 8 a.m to 5 p.m. 

How can a join a collection agent?
How can I submit a complaint?

We are very sorry that you are unsatisfied with our collection approach.

ARM wants to ensure a professional and respectful service provision. In the course of their jobs, our employee commit to respect some ethical guidelines and high standards of conduct. Anyone who believes they were treated in an inappropriate way can submit a complaint, which will be thoroughly analyzed and will be taken care of as soon as possible.

 You can submit your complaint directly via our website by selecting the option “Submit a complaint” under the “Contact us” tab. You will then have to complete the form and state the reasons for your complaint.

You can also submit your complaint by email to ombudsman@armrecouvrement.com

You must include to your email :

  • Your name;
  • The date of the event;
  • Your file number;
  • The name of the concerned agent;
  • The nature of the complaint.
How can I obtain my credit file?

You can obtain your credit file online at EQUIFAX CANADA OR TRANSUNION.

How can I submit relevant documentation for my file?

By email

  • Send an email to info@armcanada.ca
  • In the Object/Subject, specify the reasons for your email
  • Join any document deemed relevant
  • Enter your ARM file number composed of 12 numbers, which the first 5 are separated from he 7 others by a hyphen (-) xxxxx-xxxxxxx, as well as the name of the creditor.

By mail

  • Mail your documents at 795, 795, 5e Rue de la Pointe, C.P. 151, Shawinigan, Québec, G9N 1G2.
  • Join a note on which you must include your ARM file number composed of 12 numbers, which the first 5 are separated from he 7 others by a hyphen (-) xxxxx-xxxxxxx, as well as the name of the creditor.

A25 debt

What are my obligations and the consequences of a non-compliance to those rules?

A25 mandated ARM for the collection of debts on its behalf. This page is dedicated to ARM’s debtor that have debts assigned by A25. You will find useful information on the nature of this type of debt and some of its characteristics. Information contained on this page are not exhaustive and ARM recommends that readers to deepen their knowledge by making their own research. This page, however, allows a fast understanding.

What will happen if I refuse to pay?

Following the sending of the first notice by mail, ARM will contact you to know your intentions. If there is a refusal to pay from the debtor’s party, a report is sent to A25, and the file is under way. Consult the Highway safety code, articles 417.2 and 509.2.

Do I have to pay collection fees?

ARM do not charge collection fees. All fees related to your crossing on the A25 Bridge are fixed by means of a regulation.

Hydro-Quebec debt

How can I join Hydro-Quebec’s customer service?

Transmit documents

To transmit documents to Hydro-Quebec, use the following links.

Join Hydro-Quebec’s customer service

For any document sent to Hydro-Quebec, please send your acknowledgement of receipt to ARM:

If you don’t have a fax and wish to send Hydro-Quebec documents, ARM can do it. You simply need to:

  • Send an email to info@armcanada.ca
  • In the Object/Subject, state the reason for your email
  • Attach any document deemed relevant
  • Include you file numbers (of Hydro-Quebec and/or ARM)

Make a payment – Terms

Hydro-Quebec debt
  • Online bill payment:
    • Create a new bill via you online payment service;
    • Add ARM as a supplier. You will find us under the name of “ARM Agence de Recouvrement Québec – Hydro-Québec”;
    • Include your ARM’s complete file number, composed of 12 numbers, which the first 5 are separated from the 7 others by a hyphen (-) xxxxx-xxxxxxx. If you don’t have the necessary space to include the 12 numbers, only write the last 7.
  • Bill payment at the counter of a financial institution
    • Present the detachable part (payment stub) of the notice of claim received by ARM at the counter of your financial institution.
    • If you don’t have the notice of claim received by ARM, you can still go to your financial institution and mention that you want to pay your debt by providing the following information:
      • Recipient: “ARM Agence de recouvrement – Hydro-Quebec”
      • Provide your ARM’s complete file number, composed of 12 numbers, which the first 5 are separated from the 7 others by a hyphen (-) xxxxx-xxxxxxx.
Any other debt
  • Online bill payment:
    • Create a new bill via your online payment service;
    • Add ARM as a supplier. You will find us under the name of “ARM Agence de Recouvrement Québec” if you are a Quebec resident, and ‘’ARM Collection Agency’’ if you are a resident of any other Canadian province or territory;
    • Include your ARM’s complete file number, composed of 12 numbers, which the first 5 are separated from the 7 others by a hyphen (-) xxxxx-xxxxxxx. If you don’t have the necessary space to include the 12 numbers, only write the last 7.
  • Bill payment at the counter of a financial institution
    • Present the detachable part (payment stub) of the notice of claim received by ARM at the counter of your financial institution.
    • If you don’t have the notice of claim received by ARM, you can still go to your financial institution and mention that you want to pay you debt by providing the following information:
      • Recipient: “ARM Agence de recouvrement- Quebec”
      • Provide your ARM’s complete file number, composed of 12 numbers, which the first 5 are separated from the 7 others by a hyphen (-) xxxxx-xxxxxxx.

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