Without knowing the competitive situation in Canada, or anything peculiar to Canada that makes it different to a debt buyer than the USA is, I regard Canada and the USA as being effectively the same market. CCP could expand there just as easily as it expanded from Utah to Washington DC. The issue of where to expand could be influenced by time zones, IMO, so pushing northward to British Columbia could make sense.
On the issue of time zones, what makes CCP's call centre in Manila logical is a mixture of factors including time zone, low wages and English language proficiency. The same is true for USA and Canadian firms choosing to locate call centres in Mexico. For the USA, many PDLs would include a reasonable percentage of Spanish-speaking Latinos, so that would also be a factor to consider. Encore Capital has a presence in Porto Rico, but I do not know if that functions to service the USA in a way similar to CCP's operation in Manilla.
For CCP's management to give Canada and Mexico some mindspace would make sense, IMO. Actually doing anything in that respect is another matter. CCP originally set up the Manilla operation to process such lower quality debt that CCP acquired from utilities. I imagine that non-bank PDLs is a fairly large sub-sector of the USA PDL market.
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