Collection Agencies

As a Chatham trustee I hear countless stories about the manner in which collection agencies treat people when they call. I thought now would be a good time to review the rules that collection agencies must follow. The following information was obtained directly from the Government of Ontario’s website.

A collection agency may not:

• Contact you until six days have passed from sending you written notice of the following:
  The name of the creditor
  The balance owing
  The name of the agency and its authority to demand payment
• Continue to contact you if you did not receive the notice unless a second copy of the written notice is sent to an address provided by you, and then contact may only be made six days after sending notice.
• Contact you if you send a registered letter to the agency saying that you dispute the debt and suggest the matter be taken to court.
• Contact you if you and/or your lawyer notify the agency by registered mail to communicate only with your lawyer, and you provide the lawyer’s name, address and telephone number.
• Contact you on Sunday, except between the hours of 1 p.m. and 5 p.m., and on a holiday.
• Contact you other than by ordinary mail more than three times in a seven-day period without your consent, once the agency has actually spoken with you.
• Use threatening, profane, intimidating or coercive language, or use undue, excessive or unreasonable pressure.
• Continue to contact you if you have told them that you are not the person they are looking for unless they take reasonable precautions to ensure you are that person.
• Give false or misleading information to any person.
• Recommend to a creditor that a legal action be commenced against you without first sending you notice.
• Contact your employer except on one occasion to obtain your employment information, unless your employer has guaranteed the debt, the call is in respect of a court order or wage assignment or if you have provided written authorization to contact your employer.
• Contact your spouse, a member of your family or household, or a relative, neighbour or acquaintance except to obtain your address and telephone number unless the person contacted has guaranteed the debt or you have given permission for the person to be contacted.

If a collection agency has engaged in any of these prohibited practices in dealing with you, file a complaint with the Consumer Protection Branch.

You are probably being contacted because you have debt that you cannot manage. Call me or email me and we can review your options to deal with your debt.

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