Can MetCredit take my house or sue me?

No. MetCredit is a collection agency, not a law firm. A collection agency cannot sue you, obtain a judgment, or place a lien on your home. Only a creditor acting through a law firm can start a lawsuit. An agency can call, write, and report to the credit bureaus.

MetCredit (legal name Metropolitan Credit Adjusters Ltd.) is a Canadian collection agency operating since 1973, with a Toronto office, registered in Ontario under the Collection and Debt Settlement Services Act. If they contact you, an unpaid account has been referred to them by an original creditor.

What are my rights if MetCredit contacts me?

Under Ontario’s collection rules, an agency cannot harass you, call outside permitted hours, discuss your debt with your family or employer, or threaten legal action it has no ability to take. You can require communication in writing and ask for written verification of the debt.

Should I just ignore the calls?

Ignoring an agency will not make the debt disappear, and if the creditor escalates by retaining a law firm, a lawsuit can follow. But do not admit or make a payment on the debt in writing without understanding your position, because acknowledgment can restart the two-year limitation period.

If an agency is calling

Is MetCredit Calling You About a Debt in Ontario?

Reviewed by Angelos Spingos, Principal Lawyer, Spingos Law · Licensed by the Law Society of Ontario · Last reviewed July 28, 2026

First, the reassuring part: MetCredit is a collection agency, not a law firm — it cannot sue you or take your home. Knowing exactly what an agency can and cannot do puts you back in control. Here is what MetCredit is, your rights in Ontario, and the point at which a debt genuinely becomes a legal risk to a homeowner.

Who MetCredit is

MetCredit (legally Metropolitan Credit Adjusters Ltd.) is one of Canada’s largest collection agencies, operating since 1973, with a Toronto office and registration in Ontario under the Collection and Debt Settlement Services Act. If MetCredit is contacting you, it means an original creditor has referred an unpaid account to them to try to recover it — nothing more.

What a collection agency can — and cannot — do

An agency’s powers are narrower than most people fear. MetCredit can:

Contact you by phone and mail within the rules;
Ask you to pay, and negotiate a settlement or payment plan;
Report the account to the credit bureaus.

It cannot:

Sue you — only a creditor through a law firm can;
Obtain a judgment or garnish your wages;
Register a lien or a writ against your home.

Your rights in Ontario

Ontario’s collection rules prohibit harassment, calls outside permitted hours, and discussing your debt with your family or employer. You can insist that MetCredit communicate with you only in writing, and you can ask for written verification showing the original creditor and the amount owed before you pay anything.

Do not acknowledge the debt or make a payment in writing before you understand your position — doing so can restart the two-year limitation period and revive a debt that might otherwise be too old to sue on.

When does an agency call become a real legal risk?

The risk to a homeowner does not come from the agency — it comes if the creditor gives up on the agency and hands the file to a law firm that sues. Only then does the missed payment → judgment → lien → sale process become possible. That is the moment to get legal advice, ideally before a Statement of Claim deadline passes.

Frequently asked questions

Can MetCredit take my house or sue me?: No. MetCredit is a collection agency, not a law firm. A collection agency cannot sue you, obtain a judgment, or place a lien on your home. Only a creditor acting through a law firm can start a lawsuit. An agency can call, write, and report to the credit bureaus.
Who is MetCredit?: MetCredit (legal name Metropolitan Credit Adjusters Ltd.) is a Canadian collection agency operating since 1973, with a Toronto office, registered in Ontario under the Collection and Debt Settlement Services Act. If they contact you, an unpaid account has been referred to them by an original creditor.
What are my rights if MetCredit contacts me?: Under Ontario’s collection rules, an agency cannot harass you, call outside permitted hours, discuss your debt with your family or employer, or threaten legal action it has no ability to take. You can require communication in writing and ask for written verification of the debt.
Should I just ignore the calls?: Ignoring an agency will not make the debt disappear, and if the creditor escalates by retaining a law firm, a lawsuit can follow. But do not admit or make a payment on the debt in writing without understanding your position, because acknowledgment can restart the two-year limitation period.

Sources

Ontario Collection and Debt Settlement Services Act · Ontario debt collection rules · Company profile: MetCredit (public website) · Limitations Act, 2002. General information for Ontario, not legal advice; not affiliated with or endorsed by the agency named.