CONP0047 – Application for a Collector or Debt Repayment Agent Licence

Jurisdiction: Country: Canada | Province/State: Alberta

What is a CONP0047 – Application for a Collector or Debt Repayment Agent Licence?

This form lets you apply for a personal licence to work as a collector or debt repayment agent in Alberta. It is for individuals, not businesses. You use it to get your own licence card tied to a licensed agency. Your employer must already hold an agency licence. You cannot work alone on this licence.

A collector contacts consumers to recover debts on behalf of others. A debt repayment agent helps consumers repay debt. That work includes negotiating with creditors and setting up repayment plans. Both roles deal directly with Alberta consumers. Both require you to meet conduct rules and pass a background review.

You typically use this form when you start a job with a licensed collection agency or a licensed debt repayment agency. You also use it when you change employers or return to the industry. The licence is employer-specific. It does not follow you automatically to a new job. If you move from collections to debt repayment work, or the reverse, you update your licence category through this form.

You need this form if you will contact Alberta residents about debts or repayment plans. This applies even if you live in another province or work from home. The key factor is who you contact, not where you sit. If you only collect your own employer’s debts, you may be exempt. In-house corporate collectors who collect for their own company often do not need this licence. If you are unsure, ask your employer which licence applies to your role.

Typical uses

• You are hired by a licensed collection agency as a new collector. The agency gives you this form. You complete your personal sections and sign the declaration. The agency completes the employer section and signs the authorization. You include required ID, any name change proof, and pay the fee. The regulator reviews your application, runs checks, and issues your licence card. You carry that card when contacting consumers.
• You work for a licensed credit counselling agency. Your job involves offering debt management plans to consumers. You complete this same form as a debt repayment agent. You disclose your background, list your employer, and consent to checks. Once approved, you can speak with creditors on a client’s behalf.

This form is not for licensing the agency itself. Business owners use a different application to license the agency. This form only covers the individual who will do the work.

When Would You Use a CONP0047 – Application for a Collector or Debt Repayment Agent Licence?

Use this form when you are about to start regulated work in Alberta. That includes making or receiving calls to Alberta consumers about debts. It also includes meeting with consumers to set or negotiate repayment plans. Your employer must hold the correct agency licence. You cannot apply as an independent contractor without a sponsoring agency.

You use this form when you are new to the industry. You also use it when re-entering the industry after a lapse. If your past licence expired or was cancelled, you submit a fresh application. If you change employers, submit this form again. Your licence is tied to the employer named on the card. You must not perform regulated work under the wrong employer name.

You use it if you switch roles while staying with the same employer. For example, you move from collector to debt repayment agent at the same agency. Your licence category must match the duties you perform. The regulator expects the role on your licence to fit the work you do each day.

You use this form if you work remotely for an Alberta-licensed agency. This is common for call centre roles and home-based agents. If you contact Alberta consumers, you need an Alberta personal licence. The physical location of your workstation does not remove that duty.

You use it if you are a manager who also does regulated calls. Some supervisors need a personal licence if they interact with consumers or negotiate. If your work includes direct collection or debt repayment actions, apply. If you only manage people and do not contact consumers, ask your employer if you need it.

This form is also used when you have legal name changes. You update your licence record through a new application. Attach proof of the name change, such as a marriage certificate. Keep your licence card consistent with the name you use in work.

Legal Characteristics of the CONP0047 – Application for a Collector or Debt Repayment Agent Licence

This application is a legal document. You sign it to certify that your statements are true and complete. The regulator relies on your certification to decide your fitness to be licensed. False or missing information can lead to a refusal or later discipline. That can include suspension, cancellation, or administrative penalties.

Licensing comes from provincial consumer protection law and regulations. The regulator sets standards for agencies and individual agents. They assess whether you are suitable to hold a licence. They consider your criminal history, regulatory history, and financial conduct. They also confirm your employment with a licensed agency. Your licence carries conditions. You must follow conduct rules when contacting consumers.

What ensures enforceability?

Enforceability comes from several factors. The form includes a consent and authorization to check your background. That lets the regulator verify your claims. It lets them request records from law enforcement and regulators. The form also requires your employer’s confirmation. The employer states that you will work under their licensed agency. That links your licence to their supervision and compliance systems.

Once issued, your licence is valid for a set term. It must be renewed on or before expiry to keep working. The card is not transferable between employers. If you change jobs, you need a new licence tied to the new agency. If you leave the agency, you must stop regulated work at once. Many agencies will also collect your old licence card.

You must carry or display your licence identification when working. Consumers can request to see your identification. The regulator can also request it during inspections. Failure to produce it may be a breach of conditions. Keep your card current and in good condition.

The law prohibits certain conduct in collections and debt repayment. Your licence can be revoked if you breach those rules. This includes harassment, misrepresentation, or improper contact methods. It also includes handling money in ways that do not meet trust rules. Your employer must train you on these rules. You are still personally responsible for following them.

If you have a criminal record or past bankruptcy, you can still apply. You must disclose it honestly. The regulator will assess context and rehabilitation. Non-disclosure often causes more problems than the issue itself. Use the schedule pages to explain the events and outcomes.

How to Fill Out a CONP0047 – Application for a Collector or Debt Repayment Agent Licence

Before you start, gather what you need. Have your government photo ID ready. Collect past names or aliases used in the last ten years. Get your employment offer letter or supervisor’s contact details. If you have criminal or regulatory history, gather court or agency documents. If your name changed, have the certificate ready. Confirm the legal name and licence number of your employer. Ask your employer who will sign the authorization.

Section 1: Applicant Information

• Enter your legal name exactly as it appears on your ID. Include your full middle name if you have one. If you have used other names, list them in the prior names area. This includes maiden names, previous married names, or any legal changes. Use the schedule if you need more space.
• Provide your date of birth and place of birth. Enter your personal contact information. This includes your phone number and email address. Use an email you check daily. The regulator may send requests with deadlines.
• Provide your current residential address. Use a street address, not a PO Box. If you have lived at your current address for less than two years, you may be asked for prior addresses. Be accurate with dates. Small errors can delay the background check.
• If asked for identification numbers, follow the prompts. Some forms request a driver’s licence number for identification. Others only ask for government ID type and number. Ensure the ID is valid and unexpired.

Section 2: Employment and Agency Details

• State the type of licence you seek: collector or debt repayment agent. Enter the legal name of your employer agency. Do not use trade names or brand names. Enter the agency’s Alberta licence number if you have it. Your employer can provide this.
• Add your start date and job title. Describe your duties briefly. Use plain words like “collect consumer accounts” or “negotiate repayment plans.” If you will work from outside Alberta, note your work location city and province. Confirm you will contact Alberta consumers.
• Provide your supervisor’s name, title, phone, and email. The regulator may contact them to confirm your role. If your employer has a compliance officer, include that contact as well.

Section 3: Licence Type and Scope

• Select whether this is a new application, a renewal, or a transfer to a new employer. If you hold a current or past licence, list the licence number and dates. If your past licence was suspended or cancelled, disclose that. Use the schedule to explain the reason and outcome.
• If the form asks about remote work or multiple locations, answer clearly. If you will work at client sites or at home, say so. If you will handle client funds as a debt repayment agent, confirm that you will follow trust account procedures. Your employer should train you on those rules.

Section 4: Background Disclosures

• Answer the background questions truthfully. You will see questions about criminal charges or convictions. You will also see questions about bankruptcy, consumer proposals, or judgments. There may be questions about past regulatory actions or discipline. Answer yes or no for each question.
• If you answer yes, provide details in the schedule. Include the date, location, case number if known, and outcome. For criminal matters, state the charge and disposition. For bankruptcies, include the file number and discharge date. For regulatory actions, list the regulator and result.
• Do not omit spent or pardoned matters unless the form says to. If you are unsure whether something counts, include it and explain. Attach supporting documents if you have them. You do not need legal arguments. Clear facts are best.
• If you are not a Canadian citizen or permanent resident, disclose your work authorization. Include your valid work permit details. Attach a copy if required by the form. Ensure your permit covers the job duties listed.

Section 5: Consent and Authorization

• Read the consent section slowly. It allows the regulator to check your background. It may authorize them to collect and share information with law enforcement and other regulators. It also confirms your employer will supervise your work.
• Sign and date the consent. Use ink if submitting on paper. If submitting online, follow the e-sign instructions. Ensure your name matches the name on the application.
• Your employer must also complete an authorization. This section confirms they intend to employ you. It links your personal licence to their agency licence. A senior officer or authorized delegate must sign. The signature must be original if the form says so. Confirm who at your agency has signing authority.

Section 6: Attachments and Supporting Documents

• Attach a legible copy of your government photo ID. Acceptable ID often includes a driver’s licence, passport, or provincial ID card. The document must be valid on the date of application.
• Attach proof of any legal name change. A marriage certificate or legal name change certificate is standard. If your names differ across documents, add a short note to explain.
• Attach background documents if you answered yes to any disclosure. Include discharge certificates, court orders, or regulator letters. Keep copies for your records.
• Some employers attach a training certificate. If you completed industry training, include proof. Training is not always mandatory, but it supports your suitability.
• If the form asks for a photo for your licence card, follow the photo specifications. Use a neutral background, facing forward, no hats or sunglasses. Submit the photo file in the requested size and format.

Section 7: Fees and Payment

• Pay the current application fee. Some applications also include a licence issuance fee. Your employer may pay on your behalf. Confirm who will pay before you submit.
• Payment options vary by submission method. If you apply online, use the available payment portal. If you apply by mail or in person, you may need a cheque or credit card form. Do not send cash. Keep your receipt.

Section 8: Signatures

• Sign the applicant declaration. It certifies that your information is true and complete. It confirms you understand your duties under the licence. If the form includes a privacy notice, confirm you have read it.
• Have the employer sign the employer declaration. This confirms employment and supervision. It may also confirm that the employer will return your licence card if you leave.

Submit and What Happens Next

• Submit the completed form with all attachments and payment. If filing online, upload clear files. Use common file types and avoid large file sizes. If filing by mail, use a secure envelope and track delivery.
• The regulator will review your application. They will run background checks and confirm your employer. They may contact you for more information. Respond quickly to avoid delays. Most delays come from missing documents or unclear answers.
• If approved, you will receive your licence card or confirmation. This may be mailed or delivered electronically. Do not start regulated work until you have approval. Your employer may require you to show the approval before taking calls.

After You Submit: Common Follow-Ups

• You may be asked for clearer ID copies or better photos. You may be asked to clarify dates on your disclosures. You may be asked to provide employer contact corrections. Keep your phone on and monitor your email.
• If the regulator intends to refuse or impose conditions, they will notify you. You will have a chance to respond with more information. Provide factual details and documents. Keep your tone professional and direct.

Common Mistakes to Avoid

• Do not leave prior names blank if you used any.
• Do not misstate your start date to rush approval.
• Do not use a trade name for your employer.
• Do not submit poor-quality ID scans.
• Do not forget the employer signature.
• Do not start working before approval.

If Your Situation Changes

• Tell the regulator if you change employers. Submit a new application before you make consumer contacts for the new agency. Tell the regulator if your legal name changes. Tell them if you are charged with a serious offence. Keep your licence record current.

Renewal Planning

• Know your expiry date once licensed. Start renewal early to avoid a lapse. Confirm any refresher training your employer requires. Update your background disclosures if something changed since last year.

Practical Examples

• You join a licensed collection agency as a phone collector. You complete the applicant section, disclose a past discharge from bankruptcy, and attach the discharge papers. Your employer signs the authorization. You pay the fee. Your licence arrives in the mail two weeks later. You carry it at work.
• You move to a debt repayment agency as a counsellor. You submit a new application as a debt repayment agent. You include your new employer details. You attach a new photo. You cannot rely on your old collector licence. You wait for the approval before contacting consumers.
• You live in Saskatchewan but call Alberta consumers for an Alberta agency. You submit this same form. You state your remote work location. You get approved and start under Alberta’s rules.

Final Checks Before Submission

• Review each section for accuracy. Names should match across documents. Dates should be consistent. All yes answers should have a matching schedule entry. All required signatures should be present. The fee should match the current schedule. Keep a full copy of the package for your records.

That is the process. With complete information and quick responses, your licence should process smoothly. Fill the form carefully, disclose clearly, and coordinate with your employer. You will be ready to work once the regulator approves your application.

Legal Terms You Might Encounter

• Collector means an individual who collects debts on behalf of a licensed firm. This form lets you apply for that personal licence so you can lawfully collect.
• Debt repayment agent means an individual who makes payment plans with consumers on behalf of a licensed firm. This form also covers that licence for you personally.
• Licensed firm means the business that employs or sponsors you. The form asks for that firm’s legal name and licence details to confirm your sponsorship.
• Sponsorship means the licensed firm agrees to supervise your work. The form uses your employer details to confirm you have proper oversight.
• Consumer means the person who owes the debt or seeks a repayment plan. The form confirms your role involves contacting consumers and handling their information properly.
• Debt means money owed under a credit agreement, service contract, or other obligation. The form asks about your role in contacting consumers and handling debts.
• Compliance history means your record of past discipline, licence actions, or convictions. The form requires you to disclose items that could affect your suitability.
• Conflict of interest means a situation where your personal interest could affect your work. The form may ask you to confirm you will avoid these conflicts and report them.
• Police information check means a background report on your record. The form may require your consent to obtain or verify this information.
• Licence card means the identification document linked to your approval. The form leads to that card, which you may need to carry when you work.

FAQs

Do you need a job offer before applying?

Yes. You need a sponsoring licensed firm. The form asks for employer details. You cannot complete the application without that information. If your sponsor changes, you must update the licence.

Do you need a separate licence for debt repayment work and collection work?

Yes. These are different roles. You must apply for the licence that matches your duties. If you perform both roles, confirm you hold the correct licence for each activity.

Do you need this licence if you only collect debts for your own business?

Usually, this form is for individuals working for a licensed firm. Internal collection by your own staff may follow different rules. Confirm your situation with your employer and the regulator before you act.

Can you start working while the application is in progress?

No. Wait for approval. You should not act as a collector or debt repayment agent until your licence is issued. Acting early can lead to penalties.

How long does approval take?

Processing times vary. Delays often result from missing documents or unclear answers. Submit a complete package and respond quickly to any follow-ups.

What if your name or address changes after submission?

Update the regulator promptly. You may need to file an amendment and request a replacement licence card. Do not keep using old identification once a new card is issued.

What if you change employers?

You must report the change. Your new sponsoring firm will need to be added or confirmed. You may need to pause work until the update is approved.

Are fees refundable if your application is refused or withdrawn?

Fees are typically non-refundable after submission. Review requirements carefully before you file. Make sure your employer and documents are in order.

Checklist: Before, During, and After the CONP0047 – Application for a Collector or Debt Repayment Agent Licence

Before signing

• Confirm your sponsoring licensed firm. Get the correct legal name and licence number.
• Gather government-issued photo ID. Ensure your legal name matches the form.
• Collect any previous names used. Include dates for name changes if applicable.
• Prepare your residential address history. Keep dates accurate and in order.
• Compile employment details. Include your current role and start date.
• Obtain a recent police information check if required. Confirm any timing rules.
• Get your employer contact person’s name, title, and email. You will need them for confirmation.
• Prepare disclosure details. Include any convictions, charges, licence actions, or bankruptcies.
• Gather supporting documents. Include explanations for disclosures, if any.
• Ask your employer about any needed training certificates. Attach if required.
• Confirm payment method and fee amount. Ensure the payer is correct.
• Check if a photo is required for a licence card. Follow the photo rules if any.

During signing

• Verify your full legal name, date of birth, and contact details.
• Confirm the licence type: collector or debt repayment agent.
• Check your sponsoring firm’s legal name and licence number.
• Validate the firm’s business address and your work location.
• Review your disclosures carefully. Ensure they are accurate and complete.
• Confirm all dates for employment, addresses, and name changes.
• Ensure the consent to a police information check is signed, if required.
• Read the declaration. Understand what you are certifying.
• Date and sign where indicated. Use ink if a paper form is required.
• If the form needs employer authorization, secure that signature now.
• Attach all supporting documents. Label them clearly for quick review.
• Keep scans or copies of every page for your records.

After signing

• Submit the form using the accepted method. Include the fee payment.
• Confirm receipt. Keep any submission or reference number.
• Do not work until you receive licence approval and your card, if issued.
• If the regulator requests more information, reply promptly and completely.
• Once approved, review the licence card for accuracy. Check your name and employer.
• Store your approval letter, receipt, and licence card copy in a secure file.
• Share a copy with your employer’s compliance contact.
• Record the expiry date. Set reminders well ahead of renewal.
• If anything changes (name, address, employer), file an amendment promptly.
• Maintain ongoing compliance. Follow your firm’s policies and procedures.

Common Mistakes to Avoid

• Don’t forget to confirm your sponsoring firm’s licence status. If your sponsor is not correctly licensed, your application can be refused or delayed.
• Don’t leave disclosures vague or incomplete. Missing conviction details or licence actions can trigger follow-ups or refusals.
• Don’t mix roles without the right licence. Acting as both collector and debt repayment agent without proper licensing can lead to penalties.
• Don’t submit with name mismatches. If your ID does not match your form, your licence card may be issued incorrectly or denied.
• Don’t start work before approval. Acting without a licence can result in fines and future licensing issues.

What to Do After Filling Out the Form

1. File the application and pay the fee. Use the submission channel allowed by the regulator. Keep proof of payment and the submission confirmation.
2. Wait for review. Monitor your email and phone. Respond quickly to any requests for more information. Provide clear, dated documents.
3. Receive your licence decision. If approved, verify your name, licence type, and sponsoring firm. If a card is issued, check the photo and expiry date.
4. Do not begin work until your licence is active. Carry your licence card while working if required. Keep a digital backup in a secure folder.
5. Coordinate with your employer. Share your licence details with your manager or compliance team. Confirm your start date and scope of duties.
6. Follow role-specific rules. As a collector, confirm approved contact scripts and call times. As a debt repayment agent, follow plan approval and documentation steps.
7. Handle money the right way. If you accept payments, do so only through your employer’s approved process. Never use personal accounts.
8. Maintain records. Keep notes of consumer contacts, payment arrangements, and complaints. Follow your employer’s retention schedule.
9. Manage changes and amendments. If your name, address, or sponsoring firm changes, file an update promptly. Do not use an outdated licence card.
10. Plan your renewal. Note the expiry date now. Gather renewal documents early. Confirm that your employer sponsorship will continue.
11. Address refusals or conditions. If the licence is refused or issued with conditions, review the letter carefully. Work with your employer to fix issues and reapply if allowed.
12. Protect personal information. Store your documents securely. Limit access to those who need it for compliance.
13. Build compliance habits. Use checklists for intake, disclosures, and updates. Block time for periodic self-audits. Ask your employer for refresh training.