How do I deal with a collection agency?
We understand it can be very stressful when you are being contacted by a debt collector. If you are in this situation, it is important to understand your rights. Here are some tips to help you understand what is and what isn’t permitted under the Business Practices and Consumer Protection Act of British Columbia.
Collection Agencies cannot:
- Call on a statutory holiday
- Continue to contact you if the debt has been properly disputed
- Continue telephone contact if you have properly requested communication in writing
- Give you a document that is made to look like an official court document when it isn’t
- Initiate legal proceedings without notifying you that they intend to bring the proceedings
- Initiate contact with you, without first disclosing the name of the creditor they are collecting for and the amount of the debt
Collection Agencies can:
- Call you at work to request your home address, phone number and email address (if they don’t have it)
- Make one attempt to contact you at work to collect a debt (but only if they have your home contact information and have been unable to make contact)
- Contact your family, friends, neighbour or acquaintance to obtain your home address, only if they have notified you of legal proceedings
- Call between the hours of 7am and 9pm, Monday to Saturday, at your local time
- Take legal action
Consumer Protection BC is responsible for enforcing debt collection laws in British Columbia. This includes debt collectors who are either located in British Columbia, or contacting British Columbia residents about debts. By law, you are able to submit a form to request that a collection agency deal with you in writing only. This form can be found on our website here.
To find out more about how Smythe Insolvency can help you and your financial situation contact us today or download our helpful collection agency information sheet here.
Source: Consumer Protection BC. Consumer Protection BC is a not-for-profit corporation that protects consumers and encourages a fair marketplace in British Columbia. www.consumerprotectionbc.ca