Skip to content
Contact Us
Free Sign Up
  • There are no suggestions because the search field is empty.

What is the difference between former Tenant Debt Reporting and Collections in Canada?

For Canadians FrontLobby offers two effective solutions to recover debts from former Tenants: Debt Reporting or Collections.

Basic and Premium members can choose which debt recovery option best suits their needs.

 

Debt Reporting Collections

Free or One Time Fee

$99.99 (Premium) or $199.99 (Basic)

$0 Upfront

40% Debt Recovery Cost
Report a debt directly to Equifax and Landlord Credit Bureau with ongoing emails to the debtor.  Includes all Debt Reporting features, plus report the debt to TransUnion and engage a Collections Agency. The Agency will negotiate and collect payments for you through calls, emails, mail, skip tracing, garnishments, and more.
Need to Know
  • Debts up to 6 years old in Canada can be reported.
  • Does not require a judgement, ruling or monetary order.
  • Keep 100% of what you collect.
Need to Know
  • Debts up to 6 years old in Canada can be reported.
  • Reporting to Credit Reports.
  • Most provinces do not require a judgment, ruling or monetary order to use a Collections Agency (only required in Saskatchewan, Nova Scotia, Quebec).
  • If you have Debt Reporting on already, and the debtor has not paid the debt, you can turn on Collections.

Communications

  • Introduction Email
  • Debt Reporting Email
  • Credit Alert Email from Landlord Credit Bureau

Communications

  • Introduction Email
  • Collections Email
  • Credit Alert Email from Landlord Credit Bureau
  • Emails from Collections Agency
  • Calls from Collections Agency
  • Mailed letters from Collections Agency
Credit Bureau Reporting
  • Landlord Credit Bureau
  • Equifax
Credit Bureau Reporting 
  • Landlord Credit Bureau
  • Equifax
  • TransUnion
What to Expect
  1. Debtor will be contacted within 24 hours by email informing them of the debt, the impact it may have on their Credit Reports and asking them to contact you.
  2. Notices will be sent monthly by email.
  3. Debt will show on their Landlord Credit Bureau Tenant Record.
  4. Debt will show on their Credit Reports.
  5. Debt will be visible to credit grantors and housing providers and may increasingly impact their Credit Scores each month.
  6. Monthly Credit Alerts are sent to debtors by Landlord Credit Bureau (in jurisdictions where LCB operates) and possibly other Credit Bureaus.
  7. 38% of debtors pay within the first year of being reported through FrontLobby (22x more effective than other methods). This may happen quickly or it may take 1+ years, but actions will continue until the debt is resolved or the statutory limitation period expires.
  8. Use the Activity Tracker tab at anytime to monitor progress.
What to Expect
  1. Debtor will be contacted within 24 hours by email informing them of the debt, the impact it will have on their Credit Reports and providing a payment method.
  2. Notices will be sent monthly by email.
  3. Debt will be reported monthly to Credit Bureaus.
  4. Debt will show on their Credit Reports.
  5. Debt will be visible to credit grantors and housing providers and will increasingly impact their Credit Score each month.
  6. Monthly Credit Alerts are sent to debtors by Landlord Credit Bureau (in jurisdictions where LCB operates) and possibly other Credit Bureaus.
  7. Collections Agency will work to collect the debt through calls, emails, mail, bank account garnishments, and other means.
  8. Collections Agency will use skip tracing to find them if necessary.
  9. Collections Agency will negotiate and collect payment for you.
  10. 38% of debtors pay within the first year of being reported through FrontLobby (22x more effective than other methods). This may happen quickly or it may take 1+ years, but actions will continue until the debt is resolved or the statutory limitation period expires.
  11. Use the Activity Tracker tab at anytime to monitor progress.

 

Want to Report a Debt But Have Questions? Book a call with us.