Know Your Rights: What are Debt Collectors Allowed to do?

September 16, 2019 10:10 pm Published by Leave your thoughts

Many Canadians, when faced with debt, are often repeatedly contacted by creditors or collection agents. Firstly, it’s important to outline the distinction between debt collectors, and collection agents. A debt collector is anyone who collects debt, while a collection agent is a licensed professional, who will purchase debt off of a creditor, and then attempt to recover it off of the debtor.

These debt collectors can sometimes seem overbearing and aggressive; fortunately, regulations exist to protect debtors. Some of these are as follows:

  • Collectors can only contact you 7am-9pm, Monday through Saturday, and 1pm-5pm on Sundays. Additionally, they cannot contact you on a Stat Holiday.
  • A collector may only contact you at work if they have no other means of contacting you, or if you have expressly consented to being contacted at work.
  • Collectors are not allowed to contact your friends or family, unless they are guarantors of your debt.
  • Collectors cannot contact your boss, except to confirm that you are in fact employed by them.
  • Collectors cannot contact you until they have sent you a written notice of your debt. This notice must include the name of the creditor and the amount of debt.

 

If your rights are being infringed upon by debt collectors, contact Consumer Protection BC, either online at consumerprotectionbc.ca, or toll free at 1-888-564-9963. Additionally, if you are unable to pay off all of your debt, speak to a Licensed Insolvency Trustee!

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