McKernan Gowans is a licensed and bonded collection agency founded by Kevin McKernan after 15 years of credit & collection training with BMO. McKernan Gowans has been successfully lowering delinquency, reducing losses and establishing effective credit policies and procedures for over 300 clients since 1993. No recovery – no charge!

How we work

Please send us our signed “Listing Agreement” (our contract with you) and a completed “Loss Proforma” for each file you would like collected and leave the rest to us. All recoveries are sent directly to the client. We are the ultimate employee…we only get paid when we perform ! Professional, persistent recoveries since 1993!


    Years of Experience

    We offer

    • Professionalism (30+ years of credit granting/collection experience)
    • Trained investigator
    • Proven professional approach
    • Mediation of conflict disputes
    • Flexible service
    • Efficient, cost effective solutions

    Our Services

    • Customer Agreement review
    • A/R policy review and upgrade
    • Delinquency follow up
    • Dispute Resolution
    • Mediation
    • Bad Debt Collection
    • Staff Training
    • Motivational Speaking




    Read what our happy clients said about us

    Download here more letters of recommendation.