Nearly everyone struggling with debt suffers from daily calls from bill collectors. While our services are a great way to stop these calls once and for all, it’s important to understand some of the rules that collection agencies must follow regardless of whether or not you file a consumer proposal or assignment in bankruptcy.
Before a collection agency can contact you they need to send you a written notice by regular mail (email doesn’t count).
The notice must include:
The agency must wait 6 days before they can contact you after sending the notice
A collection agency can’t contact you more than 3 times in a 7 day period without your consent.
“Contact” is defined as a collection agent speaking with you, emailing you or leaving a voicemail for you.
If the agents doesn’t leave a message, it doesn’t count as a contact. Also, a letter doesn’t count as a contact as either.
A collection agency can’t:
A collection agency can only contact your employer once to get your employment information.
They can’t contact your employer unless:
A collection agency can’t contact your spouse, family member, relative, neighbour, or friend except to get your address and phone number unless:
Keep in mind that a collection agency can’t:
When dealing with a collection agency it’s important to know the rules. If a collection agency doesn’t play by the rules, you are able to file a complaint with the Ministry of Government and Consumer Services. For tips on doing so, follow this link.
If collection agencies are stressing you out, then give us a call. We stop all calls within a matter of days, and can solve your debt problem once and for all. We can diagnose most situations over the phone, or in person within a matter of minutes.