Local Services

Debt Recovery Services No Collection or It’s Free

Why use a Debt Recovery Specialist?
Any consumers or companies that are experiencing financial difficulties will generally prioritize their creditors for payments. Creditors who are capable of demonstrating the seriousness of non-payment will generally get paid first. A Debt Recovery Specialist will create a sense of urgency for continuing non-payment. This ensures that your customer will most likely resolve your bill first.

Wiggins Adjustments Ltd. is a Debt Recovery Specialist. We are a licensed and bonded collection agency. We are also a member of the Better Business Bureau (BBB). Wiggins Adjustments Ltd. can assure you that we will always operate at the highest standards. Our agents are trained with high ethical professional standards so that they are always mindful of your future relationships with your customers while advising them to remit payments. We obtain payments of your overdue accounts using an established combination of letters, emails, faxes, and telephone calls. Our collection efforts will escalate should your customers refuse a quick resolution.

Debt Recovery Services is a proven way of recovering bad debts. However, should your customers fail to resolve their debts with your company after our involvement, we may recommend to initiate legal action against them through the Courts.

Debt Recovery Benefits:

  • Fast Payment/Resolution
    Customers generally pay quicker when a Debt Recovery Agency is involved.
  • Increased Cash Flow
    A Debt Recovery Agency can help increase your cash flow and reduce your bad debts and write-offs.
  • Cost-Effective
  • Competitive Rates
    Our agency has the most competitive contingency charges within our industry. We only charge what we collect.
  • Reduce Employee and Administrative costs
    Eliminate your costs for letters, telephone calls, hiring and training
    Free up your employees so that they can pay attention on their specialization
  • Improve client retention
  • Reduce your costs

Judgment Recovery

Wiggins Adjustments Ltd. specializes in enforcing and collecting your outstanding Judgment. We will file and register the Judgment on your behalf with the Court, which entitles us to take further action against the debtor. Afterwards, we can take several different procedures to enforce your Judgment:

  • Property Lien
    We can put writ on any real estate that the debtor may own. When the debtor is trying to sell their home, you would be entitled to the funds that are owed to you. Furthermore, if the debtor is trying to renew their mortgage, mortgage companies will not renew their mortgage until your debt is satisfied.
  • Seizure of Assets
    Seizure of assets can include equipment, vendor goods (if it is a business that you have a Judgment against), vehicles, investments such as RRSP’s, stocks and bonds.
  • Garnishee Summons
    Garnishment can be made against the debtor at their financial institution and place of employment.
  • Forcing Judicial Sale of Real Estate Owned by a Debtor
    Should the debtor have enough equity in the property, an order can be applied to force a judicial sale of the real estate owned by the debtor.

Skip Tracing

In today’s society, it is important to make contact with your customers as soon as you realize there is a problem. It allows you to establish any potential problems or issues with your customers and establish a commitment plan from them to ensure that they pay.

People move for various reasons. Whether it is economic or social reasons, it is vital to trace those customers that have moved and re-establish contact with them. Our skip tracing service can help you locate your customers in a fast and cost-effective manner to help you relocate your customers that have moved on.

Our skip tracing agents can help you locate your customers by providing you with a current address and/or phone number. Thus, allowing you to have an additional opportunity to contact them and get your bill paid.


  • Fast and effective skip tracing
    Our skip tracing agents are highly trained to ensure that you get the most up to date information about your customer. Their address, telephone number, and even where they are currently employed.
  • Reduction in write-offs
  • Increased profitability
  • No Hit – No Fees