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Immigrate to Canada as a Debt Collector – Full Guide

The guidelines below will help you to immigrate and work in Canada as a debt collector.

If you want to pursue a career in debt collection and wonder whether it is possible to immigrate to Canada as a debt collector, the answer is yes.

The truth remains that many Canadian citizens run away from the profession because of the risk involved. Therefore, there is a high demand for foreign workers who can become debt collectors in Canada. 

Obviously, being a debt collector in Canada has a lot of advantages. First of all, it attracts a handsome salary. As such, you can earn well working as a debt collector in Canada. 

However, before you can become a debt collector in Canada, there are certain things you must know. And that is what you are going to learn from this article. 

What a debt collector does in Canada

Before I discuss what debt collectors do in Canada, it is necessary that you know that the NOC code for debt collectors is 1435. So, whenever you see a job with this code number, you should know where it belongs.  

Of course, even from the name, you already know the job of a debt collector in Canada. However, as a reminder, debt collectors in Canada collect payments on overdue accounts and bad cheques. In addition to that, they also locate debtors to make collection arrangements. 

For employment as a debt collector in Canada, you can  look up to collection agencies, utility companies, department stores, loan companies, banks and credit unions.

They can also be employed by financial and licensing departments within governments. Hence, it is an in-demand job in Canada. 

Examples of works under debt collector in Canada

If you have fun collecting debts from people, this is the right job for you. However, you should know the risk involved. Nevertheless, in Canada, you are well protected as a debt collector. Therefore, if you are planning to immigrate to Canada as a debt collector, the following are examples of jobs under the NOC code 1435: 

  • advertising collector
  • claims collector
  • collection agent (except taxation)
  • collection clerk
  • bill collector
  • collection officer (except taxation)
  • collections investigation officer
  • collector
  • credit and collection clerk
  • financial collector
  • inspector and bill collector – electric power company
  • inspector and bill collector – gas company
  • instalment collector
  • insurance premium collector
  • loan collector
  • locator – collection
  • skip tracer – collection

Examples of jobs excluded from debt collector

Not all jobs that deal with the collection of money from people are under debt collectors. Therefore, the following jobs are not included in the debt collector jobs. Hence, you cannot use them to immigrate to Canada as a debt collector. They include.  

  • Accounts receivable clerks 
  • Collections supervisors 
  • Tax collection officers

Main duties of a Debt collector in Canada

Apart from the fact that debt collectors specialise in collection of debts, they also perform the following duties:

  • Firstly, they notify debtors of overdue payments and accounts by telephone, mail, and registered mail. They continue to notify them if they don’t get a reply. 
  • Secondly, they resolve collection issues by making payment arrangements by telephone or visit to debtor
  • Thirdly, they recommend further action or discontinuation of service in cases where payment is not forthcoming
  • Fourthly, they trace and locate debtors. In addition to that, they may contact debtors’ friends, neighbours, relatives and employers to obtain information
  • Fiftly, they answer correspondence, prepare reports and maintain records and files related to collection work
  • Lastly, they may work with on-line accounts and systems.

Employment requirements to immigrate to Canada as a debt collector

As a debt collector in Canada, you must meet certain requirements before you can immigrate to Canada. These requirements are grouped into two. First is general requirements. Then, the second one is specific to debt collectors. Therefore, as a debt collector, you must meet both requirements.

General requirements to work in Canada

Of course since every immigrant worker must meet the general requirements. Therefore, in order to immigrate to Canada as a debt collector, you must also meet the requirements. They include:

  1. Language requirements
  2. Age requirements
  3. Education requirements
  4. Arranged employment
  5. Adaptability
  6. Work experience
  7. Your partner’s ability

#1: Language

The language requirements include either English or French. However, this depends on the province you want to live in. For instance, if you plan to live in Quebec, you must show proof of proficiency in French. Whereas for other provinces, it is English.  

#2: Age

The working age in Canada is between 18 and 65 years. However, you cannot immigrate to Canada as a debt collector unless you are up to 18 years. Also, if you are more than 35 years, your chances are low. Therefore, the required age is between 18 and 35 years. 

#3: Education

The lowest education requirement in Canada for workers is secondary School. However, some professions demand more than that. Therefore, you must make sure that you know the education requirements for the job you want to do in Canada. In order to show your level of education, you will need an education credits credential assessment. 

#4: Arranged employment

With an arranged employment, your chances of immigrating to Canada as a debt collector increases. However, you must make sure that your employer is recognized by Canadian authorities. In addition to that, you must meet the requirements for the job. 

#5: Adaptability

If you cannot live in Canada comfortably because of the weather, that means you cannot adapt to the weather. Also, if you find the working condition too stressful, it also sends a signal that you cannot work effectively in Canada. Therefore, before you can Immigrate to Canada as a debt collector, you have to show medical proof that you can adapt to the Canadian weather. 

#6: Work experience

Work experience is a great boost for you in the comprehensive ranking system. Therefore, if you have any previous work experience either in Canada or outside Canada, you can use it. 

#7: Your partner’s skills

Your partner’s qualifications, skills, age and work experience is also needed. However, this is not compulsory.

Specific requirements to immigrate to Canada as a debt collector

In addition to the requirements above, there are specific requirements you must meet to immigrate to Canada as a debt collector. Therefore, you must meet the requirements below:

  1. Completion of secondary school
  2. A business college diploma .
  3. A period of on-the-job training is often provided for collection clerks and collection officers.
  4. A collections licence issued by the province or territory of employment 
Immigrate to Canada as an Actor

Pathways to immigrate to Canada as a debt collector

Debt collector is an in-demand job in Canada, therefore, it is very easy immigrate to Canada as a debt collector. If you desire to immigrate to Canada, you can use many options provided by the Canadian government.

For some of these programs, you will need work experience, while others just require your education requirements.

For instance, if you want to use the Canada experience class, you must have at least, 3 years of Canadian work experience. Therefore, you must select a program that you meet the requirements. Hence, you can make use of any of the programs listed below: 

  1. Express entry
  2. Provincial Nominee Programs
  3. In-Demand occupations
  4. Job offer
  5. Quebec Experience Class

1: Express entry

The express entry helps workers who want to immigrate to Canada as a debt collector to process their immigration easily. To use any stream in the express entry system, you must meet the requirements. Therefore, while choosing a program, you have to check if you meet the requirements. Meanwhile, there are three programs under the express entry system. The programs include: 

  • Canada experience class
  • Federal skilled worker program
  • Federal skilled trades program. 

2: Provincial Nominee Program

This replaces the express entry system for the provinces in Canada. In order to  qualify for any PNP, you must be willing to live and work in that province. In addition to that, you must meet the requirements for that program. 

3: Job offer

Job offers help immigrants to immigrate to Canada as a debt collector easily. If you have a valid job offer, that means that you have met the work requirements for the job. Therefore, it becomes easy for you. However, your employer must be certified by LMIA.

4: In-demand jobs

In-demand jobs gives employers opportunity to employ foreign workers who can perform such tasks. Since debt collector is an in-demand job, you can Immigrate to Canada as a debt collector easily. 

5: Quebec Experience Class

For workers who want to live and work in Quebec, this is the best program. Therefore, if you desire to live in the province, then, you can use it to immigrate to Canada as a debt collector. However, before you can do this, you must meet the requirements as well as be able to adapt to the weather in the province.

Steps to immigrate to Canada as a debt collector

In order to immigrate to Canada as a debt collector, there are steps necessary for you. The steps include: 

Step 1 : Create an express entry account 

You must create an Express entry profile in order to immigrate to Canada as a debt collector. This account helps you to get news and updates about Canada immigration. However, you must be careful while creating this account to avoid unnecessary mistakes. This is because any mistake you make may result to a big problem in the future.

Step 2: Enter a program

Once you finish creating your profile, you will choose a program. The program you choose depends on your qualifications. Therefore, you must make sure that you choose the best program based on your qualifications. Hence, before you choose a program, you must do a  thorough research to know the requirements for each program. The programs include:

Step 3: Find a job in Canada

With a valid job offer, it becomes easy for you to immigrate to Canada as a debt collector. Therefore, you can apply for a job from a Canadian employer.

Step 4: Receive an invitation to apply

The next step is to get an invitation to apply. However, only qualified candidates will receive an invitation. Therefore, if you do not receive an invitation, that means that you have not qualified. Hence, you can try another time. 

Step 5: Submit your application with supporting documents 

Once you receive the invitation to apply, you have only 60 days to reply. Therefore, you must prepare everything before this time. In addition to the application and supporting documents, you will need to pay CAD $150 as an application fee.

Step 6: Get your work permit

Once your application has been processed, you will receive a reply from IRCC. This reply will come within 28 days. So, if you don’t receive a message, it means that your application is in complete. As such, you must check to know the missing document or incorrect detail in your application.

Step 7: Arrive in Canada

The final step is your preparation and arrival in Canada. Once you receive the reply, you can begin your preparation to immigrate to Canada as a debt collector. This is because you will only get your work permit once you arrive in Canada. The immigration officer at the port of entry will issue you this upon arrival. However, if it is not ready, you will have to come back at a time provided by the officer.

Frequently Asked Questions

Do I need a job offer to immigrate to Canada as a debt collector?

You don’t need a job offer to immigrate to Canada as a debt collector.

What is the average salary of a debt collector in Canada? 

A debt collector in Canada collects an average salary of CAD $35,867 per year.

What is the processing time for a work visa to enter Canada as a debt collector?

The processing time for a Canadian work visa is between 3 and 6 months. However, there can be delays especially if your documents are not complete. In addition,if you do not pay your application fee, you won’t get your permit.

Conclusion

In summary, it is possible to immigrate to Canada as a debt collector if you meet the requirements above. Also, you will have to follow the steps above. 

The good thing about Canada is that it has attractive salary for workers especially in-demand jobs including debt collectors.