Apex Recovery Group helps businesses recover outstanding receivables efficiently, ethically, and in full compliance with Ontario's Collection and Debt Settlement Services Act. No recovery — no fee.
No Recovery · No FeeContingency-based — you pay only when we collect.
Licensed by MPBSD Ontario
Credit Institute of Canada Member
17+ Years Serving Ontario
Bonded & Fully Insured
PIPEDA Compliant
What We Do
Comprehensive Collection Services
From early-out programs to legal enforcement, we offer a full spectrum of debt recovery solutions tailored to your industry.
01
B2B Commercial Collections
Recover outstanding invoices while protecting your business relationships.
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02
B2C Consumer Collections
Licensed consumer debt recovery across all of Ontario.
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03
Skip Tracing & Asset Locate
Locate unresponsive debtors using legal proprietary databases.
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04
Legal Referral & Enforcement
Seamless escalation to Ontario litigation lawyers when needed.
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05
Early-Out Pre-Collections
Soft outreach on accounts 30–90 days past due.
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06
Healthcare & Medical Receivables
Confidential recovery for clinics and allied health providers.
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$240M+
Recovered for Clients
4,800+
Active Client Accounts
72%
Average Recovery Rate
17
Years Serving Ontario
Who We Are
Ontario's Trusted Recovery Partner Since 2008
We built Apex Recovery Group on three principles: compliance, transparency, and results. Today we serve over 4,800 client accounts across Ontario with a team of 40+ licensed collection professionals.
Fully licensed under Ontario's CDSSA with individual collector registrations
No upfront fees — contingency-based pricing on all accounts
Real-time client portal with full account tracking and monthly remittance
Ready to Recover What You're Owed?
Speak with a licensed recovery specialist today. Free assessment, no obligation.
A complete suite of debt recovery solutions for Ontario businesses — from first-party outreach to full legal enforcement. Every service is delivered in strict compliance with provincial and federal law.
How We Help
Tailored Recovery for Every Scenario
No two debt portfolios are the same. We assess your accounts and recommend the right recovery approach — whether that's a soft early-out program, assertive commercial collections, or direct legal escalation.
Contingency pricing — no fee unless we collect
Dedicated account manager for every client file
Real-time reporting via our secure client portal
Commercial
B2B Collections
Recover outstanding invoices owed by other businesses. We navigate the complexity of commercial relationships while maximizing your recovery.
Invoice dispute resolution and negotiation
Multi-jurisdictional Ontario recovery
Relationship-preserving outreach protocols
Full documentation and audit trail
Consumer
B2C Collections
Licensed consumer debt recovery with full CDSSA compliance. Every collector is individually registered with the province of Ontario.
Mandatory 6-day written notice before contact
Strict no-harassment protocols
Payment plan negotiation and management
Credit bureau reporting upon resolution
Investigative
Skip Tracing & Asset Locate
When debtors are unresponsive or untraceable, our investigators use legal proprietary databases to locate individuals and identify assets.
Proprietary national database access
Employment and income verification
Property and vehicle asset searches
Bank account identification for garnishment
Legal
Legal Referral & Enforcement
When collection efforts require legal escalation, we provide seamless referral to our vetted panel of Ontario litigation lawyers.
Small Claims Court filing and representation
Wage garnishment orders
Writ of seizure and sale
Judgment enforcement and examination
Preventative
Early-Out & Pre-Collections
Designed for accounts 30–90 days past due. A soft-touch, customer-friendly program that recovers funds before formal collections are necessary.
Friendly reminder letter campaigns
Courtesy phone outreach
Payment portal and online options
Seamless escalation if unresolved
Specialized
Healthcare & Medical Receivables
Specialized recovery for clinics, dental offices, physiotherapy, and other allied health providers. Handled with discretion under PHIPA.
PHIPA-compliant data handling
Sensitive, patient-first communication
OHIP gap billing recovery
Long-term care and insurance billing support
Transparent Pricing
Simple, Contingency-Based Fees
You pay nothing unless we collect. Our rates are based on account age and portfolio volume.
For 17 years, Apex Recovery Group has been the collection agency Ontario businesses trust — because we do the right thing, every time.
17Years in Ontario
Our Story
Founded in Toronto. Built for Ontario.
Apex Recovery Group was founded in 2008 by a team of collection and credit management professionals who believed Ontario businesses deserved a collection agency that was both effective and ethical — one that treated every debtor with dignity while delivering maximum results for clients.
Today, we operate from our Oakville headquarters at 1155 North Service Rd. W, with a team of 40+ licensed collectors, compliance officers, and legal coordinators serving clients across every major industry in Ontario.
Our Core Values
What We Stand For
Compliance First
Every action we take is measured against Ontario law and our own strict internal standards. There are no shortcuts.
Client Partnership
We treat your receivables like our own. Our contingency model means we only succeed when you do.
Ethical Practice
We treat every debtor with professionalism and respect. Good outcomes come from ethical, human interactions.
Transparent Results
Full itemized reporting every month. No surprises. You always know exactly where your money stands.
Leadership
The Team Behind Your Recovery
Our senior team brings decades of combined experience in collections law, financial services, and regulatory compliance.
James Harrington
Managing Director
20+ years in commercial collections and credit management. Former senior advisor to the Credit Institute of Canada. Founded Apex in 2008.
Sandra Osei
Director of Compliance
Specialist in Ontario's CDSSA and federal consumer protection legislation. Oversees all regulatory, audit, and training functions.
Michael Tran
Head of Recovery Operations
Leads 40+ licensed collectors across commercial, consumer, and healthcare portfolios. 15 years in Ontario collections.
Our History
17 Years of Growth
From a small team of three to Ontario's trusted recovery partner, our journey reflects our commitment to building something lasting.
2008
Founded in Toronto
Apex Recovery Group incorporated in Ontario with three founding partners and a focus on B2B collections.
2011
Consumer Licence Granted
Received MPBSD registration for consumer collections, expanding our service offering province-wide.
2015
Healthcare Division Launched
Established a dedicated healthcare receivables team with PHIPA-compliant protocols.
2019
Client Portal Deployed
Launched our real-time secure client portal, giving clients 24/7 visibility into their accounts.
2025
$240M+ Recovered
Surpassed $240 million in cumulative recoveries for Ontario businesses across all industries.
Ontario's collection industry is among the most tightly regulated in Canada. We don't just meet the minimum — we exceed it.
Our Licencing
Fully Licensed & Registered in Ontario
Apex Recovery Group holds an active collection agency registration with the Ministry of Public and Business Service Delivery (MPBSD), Ontario Registration #9148270. Every collector on our team holds an individual collector registration as required under the CDSSA.
Our compliance program is reviewed annually by independent Ontario legal counsel and updated to reflect any regulatory changes. We take zero shortcuts — our licence, and our clients' trust, depend on it.
Collection & Debt Settlement Services Act
We operate in full compliance with the CDSSA, R.S.O. 1990. This includes mandatory notices, prohibited practices, and all debtor rights provisions.
PIPEDA & Privacy Law
All debtor data is stored, transmitted, and handled in full compliance with the Personal Information Protection and Electronic Documents Act.
Individual Collector Registration
Every member of our collection team holds an active individual collector registration with the MPBSD, as required by Ontario law.
Annual Third-Party Audit
Our practices are reviewed annually by independent Ontario legal counsel to ensure full compliance and to identify any regulatory changes.
What We Follow
Our Compliance Checklist
Every item below is actively monitored, documented, and audited within our organization.
Licensed Agency Registration
Active MPBSD registration #9148270 renewed annually.
Individual Collector Licensing
All 40+ collectors hold valid individual provincial registrations.
6-Day Written Notice
Written notice sent to consumers before any verbal collection contact.
No Harassment Policy
Zero tolerance for threatening, abusive, or misleading communication.
PIPEDA Data Security
Encrypted storage, transmission, and strict data access controls.
Proper Time Restrictions
Contact hours restricted to permitted windows under the CDSSA.
Common Questions
Compliance FAQ
Questions we hear often from clients and consumers.
What legislation governs collection agencies in Ontario?
The primary legislation is the Collection and Debt Settlement Services Act (CDSSA), R.S.O. 1990, c. C.14, administered by the Ministry of Public and Business Service Delivery. Federal laws including PIPEDA also apply to the handling of personal information.
What rights do consumers have when contacted by a collection agency?
Consumers in Ontario have extensive rights under the CDSSA, including the right to receive written notice before verbal contact, the right to request the collector stop contacting them (subject to certain exceptions), and the right to dispute the debt. Apex Recovery Group respects all of these rights in every interaction.
How can I verify Apex Recovery Group's licence?
Our Ontario registration number is #9148270. You can verify any collection agency's registration through the Ontario Business Registry or by contacting the Ministry of Public and Business Service Delivery directly.
What times are collectors permitted to contact debtors?
Under the CDSSA, collectors may contact debtors Monday–Saturday between 7 AM and 9 PM, and Sunday between 1 PM and 5 PM. Contact is not permitted on statutory holidays. We strictly observe these windows in all outreach.
How is my client data protected?
All client and debtor data is stored with AES-256 encryption, transmitted via TLS 1.3, and access is restricted on a need-to-know basis with full audit logging. We comply fully with PIPEDA and Ontario's privacy regulations.
Our recovery specialists are ready to assess your portfolio and recommend the right approach. Same-day response guaranteed on all new inquiries.
Get in Touch
Speak with a Recovery Specialist
Whether you have one overdue account or a large portfolio, our team will give you an honest assessment of your options — with no pressure and no obligation.
