Becoming a Primat client is done in four simple steps: 1) Create your client account via our web platform at https://primat.ca. 2) Sign the collection mandate, in accordance with the requirements of the Act respecting the collection of certain debts. 3) Transmit information relating to your debtors as well as corresponding proof of claim. 4) Pay the file opening fees, calculated based on the number of files submitted.

There is a file opening fee of $39.99 per submitted file. We also offer an annual corporate package at $799.99 for an unlimited number of files. The commission is 25% for files less than 365 days old and 40% for files over 365 days old.

Our process includes: 1) Sending a formal claim notice by mail and email. 2) Active steps including phone calls, SMS with payment links, formal emails and voice messages. 3) Reporting to credit bureaus for unpaid debts. 4) Investigation services to collect relevant information. This approach maximizes recovery chances.

Recovered amounts are remitted at the beginning of each month by bank transfer, provided they exceed $500.00. If you have only one file and the balance is less than this amount, payment can be made upon request or once the entire amount has been recovered.

With Primat, your business gets a collection department with no fixed costs. For example, if an internal employee recovers $100,000 but costs you $55,000 in salary, your net profit is $45,000. With our specialized tools, you could recover $110,000. After our commission, your net profit rises to $78,382. Even in a pessimistic scenario, you remain profitable with us.

Unlike other agencies, we don't impose binding subscriptions. You only pay for what you need: if you have one file, you only pay for that file. This flexible formula allows you to benefit from our professional services without long-term commitment.

Yes, in most cases, we accept payment arrangements. Our goal is to set up an agreement suited to your financial situation so you can respect it. Contact us to discuss the different options available for debt repayment.

For a single payment, you can pay by Interac transfer (to interac@primat.ca), by check (payable to Primat In Trust) or by credit card by calling us at 514-471-0435. For payment arrangements, payments are made by check or Interac transfer only.

You will receive an email confirmation within an hour of receiving your payment, accompanied by a receipt. This receipt is your proof of payment - keep it safe. If the debt was reported to credit bureaus, we will notify Equifax and TransUnion within 30 days to update your file.

We offer skip tracing services with a success rate of approximately 85%. Professional rates: 1 data point (address, bank or employment) at $129.99, 2 data points at $159.99, 3 data points at $189.99. For standard users, add $40 to each rate. Standard turnaround is 7-10 business days, with priority option available in 24-48h.

If no relevant data can be confirmed, a reduced rate is automatically applied: $64.99 for professionals and $79.99 for standard users. This amount covers the searches performed and analysis of sources consulted. You only pay for the value delivered.

It's very simple: log in to our client portal at https://primat.ca to view your files in real time. The portal allows you to track all activities, access payment arrangement details and view amounts collected to date.

You can create your account directly at https://primat.ca. To help you, we have video tutorials available in French (https://youtu.be/1b9yqcDvY4g) and English (https://www.youtube.com/watch?v=4pc9kf2Bctc). If you need assistance, contact us.

We hold collection agency licenses issued by Ontario and Quebec. Each agent has a representative permit from the Office of Consumer Protection. For investigations, we are registered with the Commission d'accès à l'information and hold an investigation permit from the Bureau de la sécurité privée.

Yes, we have $7,000,000 in liability insurance covering all of Canada. We also provide the bonds required by the Office of Consumer Protection of Quebec and Ontario, guaranteeing protection to debtors in case of dispute.

Our databases are encrypted, secured and hosted in Canada. Access is protected by a virtual private network and three-factor authentication. We apply a rigorous policy for the destruction and anonymization of personal data, ensuring the highest standards of protection.

Upon receipt of trustee documents, log in to the portal, select the file, click 'Action' and choose the type of document received. Upload the document for verification. The file will be closed in accordance with the law. You can file a proof of claim with the trustee to be recognized as a creditor.

Seizable assets vary by local laws and may include: real estate, vehicles, bank accounts, valuable personal property and wage garnishment. Wage garnishment allows a percentage of the debtor's salary to be deducted, within legal limits protecting essential income.

You can reach us Monday to Thursday from 9:00 AM to 5:00 PM and Friday from 9:00 AM to 3:00 PM. By phone: (514) 471-0435 or 1-855-514-0435. By email: info@primat.ca. Our offices: Terrebonne - 3115 Bd de la Pinière #200, J6X 4P7 | Toronto - 320 Bay Street #101, M5H 4A6.

The advantages include: improving your financial health, restoring your credit score, avoiding interest accumulation, obtaining the possibility of arranging an advantageous settlement, and stopping communications from collection agents.