CanLaw
Credit Problems? How to legally reduce or eliminate all your debts.
Current as of
WANT TO COMPLAIN
ABOUT MANITOBA BILL COLLECTORS?
ARE MANITOBA BILL COLLECTION AGENCIES OR BILL COLLECTORS MAKING YOUR LIFE MISERABLE?
MANITOBA DEBT? HOW TO COMPLAIN END HARASSING BILL COLLECTION CALLS
How to Stop Manitoba Bill Collectors End Harassing Phone Calls
Manitoba collection agencies cannot harass, threaten, bully or intimidate you. Harassment is a criminal offence.
Here`s how to file a complaint.
A Manitoba Collection Agency Cannot:
It is against the law to
- Harass you or your family at any time, in any manner.
- Make threats of any kind.
- Phone or visit before 7:00 a.m. or after 9:00 p.m. You can try sending them a no trespass notice if they come to your home
- Phone or visit on a Sunday or a statutory holiday
- Deliberately mislead you with a document that looks like a legal document or a court form
- Threaten to repossess goods without having the proper authority to do so
- Remove any goods unless you or an adult having possession and use of the merchandise is present at the time and is aware of the removal, except with court authority
- Harass neighbours or friends to locate the whereabouts of you and your family.
- Seize or attempt to seize any item other than what they are authorized to seize
- Phone or telegram collect
If the collection agency or what appears to be their legal staff make written or verbal threats of legal action, have a lawyer send you a `draft` statement of claim or use other shady tactics report them to the
MANITOBA LAW SOCIETY
However you should never trust a law society to actually help you.
A bill collector must give you her full name, his or her company’s name, and the name of the business or person who is requesting money and the balance owing, and may not request more than what is owed.
Service fees for collection agents cannot be added to the sum owing unless the law provides for it.
If you decide to make a payment to the collector, use a money order, do not send a cheque with your banking information on it. Only a fool would pay cash. Ask for a signed receipt. The receipt should be dated and include the name of the business or person requesting payment and the amount paid.
Where to Complain About
Manitoba Collection Agencies
If you have a complaint about a collection agency contact your provincial or territorial consumer affairs office.
THREATS OF LEGAL ACTION
If the collection agency or what appears to be their legal staff make written or verbal threats of legal action, have a lawyer send you a `draft` statement of claim or use other shady tactics report them to the
MANITOBA LAW SOCIETY
However you should never trust a law society to actually help you.
Credit Problems Law?
Put Your
BUSINESS CARD/
BANNER AD HERE
$250 year
Includes a free back
link to your web site
Click for Details
302-258 Portage Avenue
Winnipeg, Manitoba R3C 0B6
Telephone: 204-945-3800
Toll Free: 1-800-782-0067
Fax: 204-945-0728
MANITOBA DEBT? HOW TO COMPLAIN END HARASSING BILL COLLECTION CALLS
YOU MAY HAVE A VALID COMPLAINT AGAINST A MANITOBA COLLECTION AGENCY IF YOU CAN PROVE ANY OF THE FOLLOWING HAVE OCCURRED
- You have disputed the debt with the debt collector and creditor and continue to be contacted
- You have informed the collection agency that it is not your debt and continue to be contacted
- You have asked to be contacted in writing only and they continue to call
- Collector was threatening and/or intimidating
- Collector was using excessive pressure
- Collector published or threatening to publish your inability to pay
- I did not receive anything in writing prior to receiving calls
- Collector will not disclose his/her identity
- Collector called you at work more than once and you have provided my home contact information
- The collector has called an acquaintance and has asked for information other than your home address and phone number and you have not authorized the collector or creditor to do so in the past
- The collector has called your employer and has asked for more information other than confirming your employment, business title, and address and you have not authorized the creditor to do so in the past
- The collector has called you before 7 am or after 9 pm Monday to Saturday, or before 1 pm or after 5 pm on a Sunday, or on a statutory holiday
- The collector is attempting to collect more than you owe
