WHERE TO COMPLAIN ABOUT
NOVA SCOTIA BILL COLLECTORS
ARE NOVA SCOTIA BILL COLLECTION AGENCIES OR BILL COLLECTORS MAKING YOUR LIFE MISERABLE?
Nova Scotia collection agencies cannot harass, threaten, bully or intimidate you. It is a crime
Here`s how to file a complaint.
How to Stop NS Bill Collectors Harassing Phone Calls
NS bill collectors cannot phone you over and over It is against the law
Since collection agencies only get paid when they collect these debts, they can be very persistent. While you are responsible for paying money that you owe, the Collection Agencies Act says that all collectors must be licensed. This means there are rules that collection agencies must follow when they contact you.
Collectors must contact you by mail before making any contact by phone or otherwise. There is a standard letter that they should use. They must file a copy of this letter with Service Nova Scotia.
Collectors cannot collect more money than you owe the business or person who hired them.
Collectors are responsible for making sure that you actually owe the money. They must tell you who is looking for repayment when they contact you.
Collectors may not make collect calls to you to demand repayment.
You may ask collectors to only contact you through a lawyer.
Collectors may not threaten or intimidate you or use abusive language.
Collectors may not call so often or in such a way that you or your family feels harassed.
Collectors may not call on a Sunday, or between 9 p.m. and 8 a.m.
Collectors may not lie about you (directly or indirectly) to your family members or to anyone that you owe money to.
Collectors may not give information, or threaten to give information, to anyone that could affect your employment.
Collectors may not contact your employer, friends, acquaintances, family or neighbours unless they have guaranteed or co-signed the loan they are trying to collect, except if they are looking for your address.
Collectors may not take you to court – unless the collector has taken on the debt from the company that you originally borrowed money from
YOU MAY HAVE A VALID COMPLAINT AGAINST A NOVA SCOTIA 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
- 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
Mail Room, 8 South
1505 Barrington Street
Halifax, Nova Scotia B3J 3K5
Toll Free: 1-800-670-4357
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 Nova Scotia law society. However you should never trust a law society to actually help you.
Privacy Commissioner of Canada
If a collection agency discloses your personal information to a 3rd party or is incorrectly reporting something on your credit bureau, make sure to contact this department to discuss the matter.
CanLaw Guide to the Law on Debt for the Layperson
On line Since 1996