YOU MAY HAVE A VALID COMPLAINT AGAINST A NEWFOUNDLAND COLLECTION AGENCY IF YOU CAN PROVE ANY OF THE FOLLOWING HAVE OCCURRED
Collector was threatening and/or intimidating
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 using excessive pressure
Collector published or threatening to publish your inability to pay
You have disputed the debt with the debt collector and creditor and continue to be contacted
You 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
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 theNewfoundland law society However you should never trust a law society to actually help you.