Know Your Rights
Pushy, aggressive debt collectors can be intimidating, but your best defense is knowledge — get familiar with your rights so you know when they’re crossing the line.
Debt collectors have some notoriety for daily phone calls, issuing threats, and even contacting you at work or at all hours of the day.
By law, collection agencies are allowed to contact you about any outstanding debts you owe. Regardless of where they are contacting you from, they must abide by the laws in the province of their Canadian debtors. Associations between agencies can be formed, however, to try and collect money that is owed.
They’re not allowed to use profanity, issue threats, or lose their temper when they call. They’re also not allowed to share details about your predicament with your loved ones or your employer.
Look into your province’s debt collection laws: there are set times and protocol that debt collectors need to abide by. This includes how many times they can contact you within a day or a week, when they can phone you, and if they can contact your employer at all.
Take a careful look at any letters you receive — they may look like they’re official court documents or court orders to pay your debts. This is also illegal.
Creditors and collection agencies don’t have to tell you what your rights are in this sticky situation so it’s usually up to you to sort out fact from fiction. However, you can always feel free to meet with one of our Credit Counsellors. They can help you look over anything you’ve received and give you some helpful guidance as to your next best steps or options. Our help is always free, confidential, and non-judgmental.