WHERE TO COMPLAIN  ABOUT

NB BILL COLLECTORS

How to Stop NB Bill Collectors Harassing Phone Calls

New Brunswick collection agencies cannot harass, threaten, bully or intimidate you. It is a crime

Here`s how to file a complaint.

Click Here for the Official NB Complaint Form. Use this if you wish to file a formal complaint against a collection agency or one of its employees.

Where to complain about New Brunswick collection agencies

If you have a complaint about a collection agency contact your provincial or territorial consumer affairs office.

What New Brunswick Collection Agencies and the Bill Collectors Who Work for Them Cannot Do When Contacting You

• Debt recovery or collection agencies cannot threaten to start legal action to collect a debt without first notifying you and receiving the creditor’s approval to sue you.
• They cannot collect more money than you owe your creditor regardless of any costs the collection vultures have incurred.
• They cannot  call you collect or in any way that costs you money (such as collect phone calls or in some cases, calls to cellphones)
• They cannot contact your employer, friends, family or neighbours unless they have guaranteed or co-signed the loan they are trying to collect  or unless they are looking for your address.
• They cannot telephone you at work
• They cannot discuss your debt with anyone else unless they have your permission (they may request you provide written permission,) If you do agree, send them written conditions about what they may say and with whom they may discuss your file. This will protect you if they violate the law.
• They cannot bully, threaten, harass or intimidate you or use abusive language
• They cannot communicate with you without fully identifying themselves, the name of the collection agency, the name of the company they are collecting for and the amount owed,
• They cannot call so often that you or your family feels harassed
• They cannot call before 7am or after 9pm Monday through Saturday
• They cannot call before 1pm or after 5pm on Sunday
• They cannot call you on a statutory holiday
• They cannot collect from you at your place of employment
• They cannot garnish your wages
• You may ask collectors to only contact you in writing or through a lawyer

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