When can a landlord send you to collections?
Last updated: October 15, 2026
Short answer
A landlord needs an actual debt before collecting anything: unpaid rent, or damage or other money the tenant owes beyond the deposit. In the tenancy Acts we reviewed, the usual route is a tenancy office or tribunal order, which is then filed with a court so it can be collected like a court judgment (for example by garnishment or seizure). We found no rule in those Acts on collection agencies or on landlords reporting debts to credit bureaus, so we cannot say it is allowed or banned. For that, ask your provincial consumer protection office or the privacy commissioner. A notice for unpaid rent is not a tenancy office order.
How unpaid rent turns into something a landlord can collect
Collections starts from a debt, and in a rental the debt usually comes from one of three places: rent that was not paid, damage or cleaning beyond normal wear and tear, or money owed after a tenant leaves early. A deposit may cover part of it, depending on the province. Beyond that, the Acts we reviewed point to a similar pattern: the landlord asks the tenancy office, tribunal or court for an order, and the order is what gets enforced.
In most of these provinces, unpaid rent starts with a notice that gives the tenant a chance to pay and keep the tenancy. These are the notices we found, each with the condition that goes with it.
| Province | Notice for unpaid rent | Can the tenant cancel it by paying? |
|---|---|---|
| Alberta | 14 days' notice for a substantial breach | Yes, by paying all rent owing before the termination date |
| British Columbia | 10 Day Notice to End Tenancy | The tenant has 5 days to pay or dispute it |
| Manitoba | Notice once rent is 3 days late | Yes, by paying in full, plus any prescribed costs, by the date on the notice |
| Saskatchewan | Immediate notice once rent has been unpaid 15 days or more | Check with the Office of Residential Tenancies; we did not confirm a pay-to-cancel right |
| Ontario | N4 notice, 7 days for notices given on or after September 21, 2026 | Yes, by paying all arrears before the landlord files an application with the Landlord and Tenant Board |
| New Brunswick | Notice to vacate, at least 15 days after service | Payment within 7 days cancels it, unless it is a Final Notice |
| Nova Scotia | Notice to quit from the 4th day of arrears, effective at least 10 days after | The tenant has 10 days to pay |
| Prince Edward Island | Form 4A, at least 20 days | The tenant has 10 days to pay or dispute |
| Newfoundland and Labrador | Once rent is 5 days overdue, notice of at least 10 days | Payment voids it, but only twice in 12 months |
If the tenant does not pay or move, the landlord applies to the tenancy office or tribunal. When the order is for money, most of the Acts we reviewed turn it into something enforceable in a court. The province-by-province section below shows how. See also how to evict a tenant for the possession side of the process.
Credit bureaus and collection agencies
The tenancy Acts we reviewed are about notices, orders and court enforcement. We found no rule in them that lets a landlord report a debt to a credit bureau, and none that bans it. We also found no rule on a landlord handing a debt to a collection agency. We did not review consumer credit or debt collection laws, so this page does not say whether a particular report or agency call is allowed. Those questions belong to your provincial consumer protection office and, for personal information, a privacy commissioner.
What we did find is on the other side of the file. The federal Office of the Privacy Commissioner says a landlord needs an applicant's consent before running a credit check. In Ontario the federal privacy law applies to landlords, while Alberta and British Columbia have their own private-sector privacy laws.
Two points hold whichever way a particular report is treated. A debt a landlord only claims is different from a debt a tenancy office or court has ordered you to pay. And an order can be disputed or appealed within the deadlines of your province, so ask for the claim in writing before you accept it.
What to do if a landlord threatens collections
This part is SQRFT advice, not law.
- Ask the landlord for the amount, the dates and a breakdown in writing. Compare it with your ledger, receipts and the lease.
- Check your deposit. A deposit may be used for unpaid rent, and each province has its own steps and deadlines for the landlord and for you. See when a landlord can keep a security deposit.
- If you disagree, apply to your tenancy office or tribunal rather than ignoring it. An order you did not contest is the one that gets enforced.
- If you moved out early, read what happens if a tenant leaves early, because rent owed after a move-out is a common source of these claims.
- If a collection agency contacts you, do not assume the amount is right. Ask for proof of the debt and contact your provincial consumer protection office.
- Landlords: keep dated notices, proof of service, receipts and photos. A tenancy order is far more useful than an unsupported claim.
Collecting a rent debt in each province
Alberta
An order from the Residential Tenancy Dispute Resolution Service is filed with the Court of King's Bench and enforced like that court's own orders. An Alberta Court of Justice order is entered in the Court of King's Bench. The filed order must be served. The government says collection then goes through the Civil Enforcement Act: a writ of enforcement registered at the Personal Property Registry, garnishment, seizure through an enforcement agency, or registration against land. Unpaid rent can also be taken from the deposit without inspection reports.
Orders are valid for 10 years, with some exceptions. A tenant who disagrees with deductions can apply to the Residential Tenancy Dispute Resolution Service or to court.
British Columbia
The Residential Tenancy Branch issues monetary orders but does not enforce them. A landlord can deduct an amount owed from the deposit under section 72(2) of the Residential Tenancy Act, and otherwise needs the tenant's written consent or an order. After the review period, the order is filed in Provincial Court (Small Claims) if it fits within that court's limit, otherwise in Supreme Court. The Branch's information sheet lists the tools: a payment hearing, garnishing wages or bank accounts, a court bailiff seizing property, a default hearing, and a certificate of judgment at the Land Title Office.
If a landlord neither returns the deposit nor applies to the Branch within 15 days, the landlord loses the right to claim against it and must pay double.
Manitoba
A certified order of the Residential Tenancies Branch can be filed in the Court of King's Bench and enforced like a judgment. The Branch guide lists a notice of garnishment, a writ of seizure and sale, and a certificate of judgment, which becomes a lien on land. The Branch guide says there is no time limit on filing the order in court. The Branch itself enforces only orders for return of a deposit or for overcharged rent, so other money orders go through the court.
A landlord can claim unpaid rent against the security deposit. If the landlord ignores an order to return a deposit, the tenant can apply to be paid from the provincial security deposit compensation fund.
Saskatchewan
An order of the Office of Residential Tenancies is certified and filed in the Court of King's Bench once the appeal period has passed (section 77). The judgment must be registered in the Judgment Registry. Enforcement then goes through the Sheriff under The Enforcement of Money Judgments Act, which can investigate assets and seize and sell them, including bank accounts, wages and land, subject to exemptions. The court does not collect for the landlord, and enforcement costs money. A King's Bench judgment lasts 10 years and can be renewed.
A landlord may claim cleaning, damage and arrears against the deposit, but a lease cannot let the landlord keep the deposit automatically.
Saskatchewan security deposits | Filing a complaint with the ORT
Ontario
The Landlord and Tenant Board does not collect money. An order for payment can be filed with the Small Claims Court, where, for enforcement, it is treated as that court's order, and it can be filed online. The tools include garnishment, a writ of seizure and sale of personal property or land, and an examination hearing.
The rent deposit covers only the last rent period. A landlord cannot deduct damage or cleaning from it and must apply to the Board for undue damage, which can be done while the tenant is still in the unit or within one year after the tenant leaves.
New Brunswick
A deposit claim is decided by a residential tenancies officer in the Tenant and Landlord Relations Office and paid from the deposit (section 8(12) of the Residential Tenancies Act). A landlord claim above the deposit goes to court, and the resulting judgment is enforced like any other (section 8(12.9)). We did not find a section that files a tenancy officer's order as a court judgment, so ask the office how a money order is collected.
Failing to comply with certain payment orders from a residential tenancies officer is an offence under section 28(2.1). That is a prosecution, not a way to collect.
New Brunswick deposits | Filing a complaint in New Brunswick
Nova Scotia
If no one appeals within 10 days, either party can have the Director's order made an order of the Small Claims Court (section 17B(1)). Making the order a Small Claims Court order carries no charge. The tools we found are an execution order, a certificate of judgment and an order for vacant possession, and some sheriff fees apply.
A tenant has one year after the lease ends to ask the Director to return a deposit. A deduction for damage cannot include ordinary wear and tear.
Prince Edward Island
Section 85(2) of the Residential Tenancy Act lets an order be filed in the court, and it is then enforced as a court order. If the Commission confirmed, reversed or varied the order, it is filed in the Supreme Court. The court enforcement tools in the Rules of Civil Procedure are a writ of execution, garnishment, a writ of sequestration and the appointment of a receiver. We found no plain-language Rental Office guidance on this, and we did not confirm the filing office, so ask the Rental Office.
If a landlord neither returns the deposit nor applies within 15 days, the landlord cannot claim against it and must pay the tenant double. The landlord has the burden of proof for keeping a deposit.
Newfoundland and Labrador
The Residential Tenancies Office does not collect money. The creditor first asks the Office to certify the order, using a sworn application. A certified order is enforced like a Supreme Court judgment (section 47). Orders within the Small Claims limit are filed with the Provincial Court, and larger ones go to the High Sheriff.
A tenant has one year after the rental agreement ends to apply for return of a deposit, and a tenant who seeks only the deposit pays no filing fee. The Act does not list allowed deductions, so a landlord keeps money only for a claim the tenant agrees to in writing or the director decides.
Newfoundland and Labrador deposits | Filing a complaint in Newfoundland and Labrador
Related questions
Can a landlord report a tenant to a credit bureau?
We found no rule in the tenancy Acts we reviewed that allows it or bans it. The research did not cover consumer credit or debt collection laws, so we cannot say what a credit bureau accepts. Ask your provincial consumer protection office and the privacy commissioner. What we did find is that a landlord needs your consent before running a credit check on you as an applicant.
Can a landlord send you to collections for unpaid rent?
We found no tenancy rule on collection agencies, so this page cannot say yes or no. Rent you really owe can be claimed through a tenancy office order, which is filed in court and enforced. A landlord handing a claim to an agency is a different matter, and your provincial consumer protection office is the place to ask.
What happens if a landlord sends you to collections?
Ask for the amount and proof in writing, and compare it with your records. If you disagree, apply to your tenancy office or tribunal. SQRFT advice, not law: do not ignore letters, because an uncontested order is the one that gets enforced. Contact your provincial consumer protection office about how agencies must behave.
How does a landlord report to a credit bureau?
The tenancy Acts we reviewed say nothing about it, so we cannot describe a process. Ask your provincial consumer protection office, and the credit bureaus themselves, what is accepted.
Can a landlord take unpaid rent from my deposit?
Generally the deposit can be used for unpaid rent, but the steps differ. In Alberta, unpaid rent can be taken without inspection reports. In British Columbia, a deduction needs the tenant's written consent or an order. In Ontario, the rent deposit covers only the last rent period. See when a landlord can keep a security deposit.
Can a landlord garnish my wages?
Not on their own. In the provinces where we found the process, garnishment is a tool a creditor can use after a tenancy order has been filed in court and made into a judgment. Alberta, British Columbia, Manitoba, Saskatchewan, Ontario, Prince Edward Island and Newfoundland and Labrador list it. For New Brunswick and Nova Scotia we did not confirm it, so ask the tenancy office.
Does the tenancy office collect the money for me?
Mostly no. The Residential Tenancy Branch in British Columbia, the Landlord and Tenant Board in Ontario, and the Residential Tenancies Office in Newfoundland and Labrador do not collect. In Manitoba the Branch itself enforces only orders to return a deposit or overcharged rent. In most other provinces the order is filed in court; in New Brunswick we did not find a section that does this.
How long can a landlord keep trying to collect?
We found limits in two provinces. In Alberta, Residential Tenancy Dispute Resolution Service orders are valid for 10 years, with some exceptions. In Saskatchewan, a King's Bench judgment lasts 10 years and can be renewed. Manitoba's Branch guide says there is no time limit on filing an order in court. For other provinces, ask the tenancy office or a court registry.
Can I rent with collections on my record?
A landlord can ask for a credit check with your consent. In Ontario, the Human Rights Commission says a lack of rental or credit history should not be viewed negatively, which is about having no history, not about a debt on record. We found no rule on collections on a record. SQRFT advice, not law: explain the situation, show recent proof of paying rent, and offer references.
What if I left early and the landlord says I owe rent?
Rent owed after a tenant leaves early is one of the most common claims. A landlord generally has to claim it through the tenancy office or a court. See what happens if a tenant leaves early, including the landlord's duty to reduce the loss in some provinces.
Government sources
- Alberta King's Printer: Residential Tenancies Act
- Government of Alberta: RTDRS hearings and orders
- Government of Alberta: RTDRS overview
- Government of British Columbia: Residential Tenancy Act
- Government of British Columbia: Enforcing a monetary order
- Government of British Columbia: Monetary order
- Manitoba Residential Tenancies Branch: Enforcing orders
- Manitoba Residential Tenancies Branch: What Manitoba landlords need to know
- Government of Saskatchewan: The Residential Tenancies Act, 2006
- Government of Saskatchewan: Security deposits
- Landlord and Tenant Board: Collecting money a former tenant owes
- Government of Ontario: Residential Tenancies Act, 2006
- Government of Ontario: Guide to procedures in Small Claims Court, after judgment
- Government of New Brunswick: Residential Tenancies Act
- Government of New Brunswick: Deposits
- Nova Scotia Legislature: Residential Tenancies Act
- Government of Prince Edward Island: Residential Tenancy Act
- Government of Newfoundland and Labrador: Residential Tenancies Act, 2018
- Ontario Human Rights Commission: Policy on human rights and rental housing
- Office of the Privacy Commissioner of Canada: Privacy in the landlord and tenant relationship
General information, not legal advice. Rules change; check your province's tenancy office before acting.
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