CanLaw Will Find You the Right Consumer Protection or Credit card and Money Problems Lawyer.CanLaw

Credit Problems? How to legally reduce or eliminate all your debts.

Current as of




Collection agencies will lie, threaten, deceive, bully and harass you even though it is against the law. File a complaint against them

What can a collection agency do to me in Canada?



Bill collectors keep calling you and

you do NOT know how to respond!

Get their name, company, log all calls

and report them for harassment

Learn what to say and how to say it when debt collectors call and demand payments and answers to personal questions! Best to say nothing.

Collection agencies will lie, threaten, deceive, bully and harass you even though it is against the law. File a complaint against them


(this is an excerpt from the act and is not complete.)

20 (1) No collection agency or collector shall


(a) collect or attempt to collect for a creditor money in excess of the amount owing by the debtor to the creditor;


(b) collect or attempt to collect money for a creditor without first satisfying itself that the money is owing by the debtor to the creditor;


(c) make any charge against a person for whom it acts in addition to those contained in the agreement with that person;


(d) send any telegram or make any telephone call, for which the charges are payable by the addressee or the person to whom the call is made, to a debtor for the purpose of demanding payment of a debt;


(e) communicate with a debtor when the latter has notified him in writing to communicate with his legal adviser;


(f) communicate verbally with a debtor unless he has previously sent him a notice in writing;


(g) use any form or form of letter to collect or attempt to collect money from a debtor unless a copy of the form or form of letter is filed with the Registrar;




(n) make a demand by telephone, by personal call or by writing for payment of an account without indicating the name of the creditor with whom the account was incurred, the balance of the account and the identity and authority of the person making the demand;


(o) except to obtain the debtors address, communicate with the employer, acquaintances, friends, relatives or neighbours of the debtor except in the case of a person who is surety for the debtor; or


(p) commence or continue an action for the recovery of a debt in the name of the collection agency or collector as plaintiff unless such debt has been assigned to the collection agency or collector, as the case may be, in good faith by instrument in writing for valuable consideration and notice of such assignment has been given to the debtor.


Collection charges


(2) Notwithstanding any agreement to the contrary between a debtor and a creditor, any charges made or incurred by a collection agency or made or incurred by a creditor in employing a collection agency to collect the debt shall be deemed not to be a part of the amount owing by the debtor and shall not be recoverable by the creditor or by the collection agency acting on behalf of the creditor. R.S., c. 77, s. 20.

(h) use, without lawful authority, any summons, notice, or demand or other document expressed in language of the general style or purport of any form used in any court in the Province, or printed or written or in the general appearance or format of any such form;


(i) in any way threaten, abuse or intimidate a debtor either orally or in writing to induce a person to pay a debt;


(j) make telephone calls or personal calls or written communications of such nature or with such frequency as to constitute harassment of the debtor, his spouse or any member of his family;

(k) make telephone calls or personal calls for the purpose of demanding payment of a debt


(i) on a Sunday, or

(ii) on any other day except between the hours of eight  in the forenoon and nine  in the afternoon;


(l) give, by implication, inference or statement, directly or indirectly, any false or misleading information to any person that may be detrimental to a debtor, his spouse or any member of his family;


(m) give, or threaten to give, by implication, inference or statement, directly or indirectly, to the person who employs a debtor, his spouse or any member of his family information that may adversely affect the employment or employment opportunities of the debtor, his spouse or any member of his family;


#307-3450 Uptown Blvd

PO Box 9244

Victoria, British Columbia  V8W 9J2

Telephone: 604-320-1667

Toll Free: 1-888-564-9963

Fax: 250-920-7181


Read about BC Collections law here

Where to File a Complaint About

Collection Harassment

Review Canadian debt collection laws below


Service Alberta Consumer Information

Consumer Contact Centre at 780-427-4088 (Edmonton and area) or

1-877-427-4088 (toll-free in Alberta).


Read about Alberta collections law here


601-1919 Saskatchewan Drive

Regina, Saskatchewan  S4P 4H2

Telephone: 306-787-6700

Fax: 306-787-9006




302-258 Portage Avenue

Winnipeg, Manitoba  R3C 0B6

Telephone: 204-945-3800

Toll Free: 1-800-782-0067

Fax: 204-945-0728


Read about MB bill collector laws here


Box 450 1201 Wilson Ave, Station A

Toronto, Ontario  M3M 1J8

Telephone: 416-326-8800

Toll Free: 1-800-889-9768

Phone (TTY): 416-229-6086

Phone (TTY) 2: 1-877-666-6545

Fax: 416-326-8665


Review the Ontario bill collectors laws


235 Queen Street

Ottawa, Ontario  K1A 0H5

Telephone: 343-291-3280

Fax: 613-952-6927


267 Qaiqtuq Building

P.O. Box 440

Baker Lake, Nunavut  X0C 0A0

Telephone: 867-793-3303

Toll Free: 1-866-223-8139

Fax: 867-793-3321


STOP BILL COLLECTOR PHONE CALLS NOW When dealing with debt collectors, you have plenty of rights  See how you can stop them cold. HARASSMENT IS


When dealing with debt collectors,

you have plenty of rights

BEWARE Both the collection agency and the bill collector are only interested in collecting the debt from you. Collection agency bill collectors count on you now knowing the laws controlling their actions so they will try threats, bullying and intimidation to get money from you. But if you know the law, you can stop them cold. Dunning phone calls can be stopped

Collection agencies exist only to collect bad debts from debtors for the creditors. If you have not paid a debt, you are fair game.

They are hired to do this by creditors companies with outstanding bad debts. They will not rest till they pick your bones clean.

Collection Agencies generally get a percentage of what ever the can collect from you, the debtor. If they collect nothing, they do not get paid.

The bill collector,  the person who is actually calling you to collect, is paid usually on commission. No collections, no commissions and soon no job.

They do not give a tinker's curse about your problems or reasons for not paying. When you talk to them they are listening for clues on how to get your money. Nothing else matters to them.

Collection agencies obtain or arrange for payment of money owed to either a person or a company. When you have an account with a business that is “past due” or in default, the business may turn your account over to a collection agency.

How Do You Deal With Collection Agencies?

You must be notified in writing by the collection agency that an account has been turned over to a collection agency before any phone calls are made to you.

The agency will contact you for as long as it takes and as often as they want, to attempt to collect the money you owe to its client. They won't go away until you pay.

Once your account has been given to a collection agency, you'll be dealing only with that agency when making arrangements for payment. The company you owe the money to is now out of the picture. Your credit rating is severely damaged by this action.

When possible, although you would not be in this position if you could, pay the money you owe. The collection agency will have no right or reason to contact you again once you have paid your debt in full. .

The  collection agency and the agent wants your money right now and in full, since that is the only way they get paid.

They will first try to bully you into paying in full now. They will bluster, threaten law suits and garnishees and such.

When they realize that is not going to happen, they will probably listen to some sort of payment arrangements. You are actually in the driver's seat at this point, They want you to pay so they have to work with you.

When it's impossible for you to pay the full amount right away, explain why but avoid giving them details of your bank accounts.

Offer something like a lump sum at a later date or a series of monthly payments. They will try to get the money sooner or get larger payments, but in the end they will probably agree since something is better than nothing.

Pay by money order Keep the copy for your proof of payment. Never ever send cash or a cheque. If you pay by cheque they will know where your bank account is which is not a good thing for you.

YOU CANNOT RUN FROM DEBTS: Your debts will not vanish if you ignore them. If you cannot pay as originally arranged, you simply must deal with the debt, either by new payment arrangements or in the worst case, by bankruptcy



Where to File a Complaint About

Collection Harassment

Review Canadian debt collection laws below


Kings Place (King Tower)

440 King Street

Fredericton, New Brunswick  E3B 5H8

Telephone: 506-453-2659

Toll Free: 1-866-933-2222

Fax: 506-444-4494


What NB collection agencies cannot do


Mail Room, 8 South

Maritime Centre

1505 Barrington Street

Halifax, Nova Scotia  B3J 3K5

Telephone: 902-424-5200

Toll Free: 1-800-670-4357

Fax: 902-424-0720


About NS collection rules here


Shaw Building, 4th Floor

95 Rochford Street PO Box 2000

Charlottetown, Prince Edward Island  C1A 7N8

Telephone: 902-368-4580

Telephone: 902-368-4550

Toll Free: 1-800-658-1799

Fax: 902-368-5283


About PEI collection rules here


PO Box 8700

St. John's, Newfoundland and Labrador  A1B 4J6

Telephone: 709-729-2600

Toll Free: 1-877-968-2600

Fax: 709-729-6998


Read what Newfoundland collections can and cannot do to you here


400 Jean-Lesage Boulevard, Suite 450

Québec, Quebec  G1K 8W4

Telephone: 418-643-1484

Toll Free: 1-888-672-2556

Fax: 418-528-0976


Quebec collections rules are here


307 Black Street

Whitehorse, Yukon  Y1A 2N1

Telephone: 867-667-5111

Toll Free: 1-800-661-0408 ext. 5111

Fax: 867-667-3609




5201-50th Avenue, Suite 600

PO Box 1320

Yellowknife, Northwest Territories  X1A 2L9

Telephone: 867-873-7125

Fax: 867-873-0309


Directory and Index for all of CanLaw

Canada Trusts


On line Since 1996

CanLaw Guide to the Law on Debt for the Layperson

Can't pay your bills? Need help?