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Canadian debt collection rules. Debt collection in Canada.

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Debt collection rules.

Debt collection in Canada is governed by the provinces and territories. All the provinces and territories have similar laws, which attempt to strike a balance between giving creditors an opportunity to collect the money that is owed to them and preserving the debtors' rights not to be unduly harassed and to be treated with dignity. Collection efforts can be persistent but collectors cannot phone at unreasonable hours or jeopardize the debtor's job by interrupting him or her at work.

Unreasonable Collection Practices

The following are some of the unreasonable collection practices outlined in the BC Business Practices and Consumer Protection Act:

Debt collectors are not allowed to:

Reporting Complaints about a Collection Agency

Consumers who wish to complain about a collection agency may contact their provincial or territorial office of consumer affairs.

British Columbia
Consumer Protection Agency: 1-888-564-9963.

Service Alberta
Consumer Services Branch
3rd Floor, Commerce Place
10155 - 102 Street
Edmonton, AB T5J 4L4
Tel: (780) 427-4088
Toll Free (in Alberta): 1-877-427-4088
Fax: (780) 427-3033

Consumer Protection Branch
Department of Justice
1871 Smith Street
Regina SK S4P 3V7
Tel: (306) 787-5550
Toll Free (in Saskatchewan): 1-888-374-4636
Fax: (306) 787-9779

Consumers Bureau
Manitoba Finance
302-258 Portage Avenue
Winnipeg MB R3C 0B6
Tel: (204) 945-3800
Toll Free: 1-800-782-0067 (in Manitoba)
Fax: (204) 945-0728

Government Services
Consumer Services Bureau
33nd Floor, 250 Yonge Street
Toronto ON M5B 2N5
Tel: (416) 326-8800
Toll Free: 1-800-889-9768

Office de la protection du consommateur
Room 450, 400 Jean-Lesage Boulevard
Quebec QC G1K 8W4
Tel: 1-888-672-2556
Fax: 418-528-0976

New Brunswick
Justice Services Division
Office of the Rentalsman and Consumer Affairs Branch
Centennial Building
PO Box 6000
Fredericton NB E3B 5H1
Tel: (506) 452-2583
Fax: (506) 453-3651

Prince Edward Island
Consumer, Corporate and Insurance Division
Fourth Floor, Shaw Building
95 Rochford Street
PO Box 2000
Charlottetown PEI C1A 7N8
Tel: (902) 368-4550
Fax: (902) 368-5283

Nova Scotia
Mail Room, 8 South
Maritime Centre
1505 Barrington Street
Halifax, NS
B3J 3K5
Tel: (902) 424-5200
Toll Free: 1-800-670-4357 (in Nova Scotia)
Fax: (902) 424-0720

Newfoundland and Labrador
Consumer and Commercial Affairs Branch
Department of Government Services and Lands
2nd Floor, Confederation Building West Block
PO Box 8700
St. John's NF A1B 4J6
Tel: (709) 729-2570
Fax: (709) 729-4151

Department of Community Services
PO Box 2703
Whitehorse YK Y1A 2C6
Tel: (867) 667-5111
Toll Free: 1-800-661-0408
Fax: (867) 667-3609

Northwest Territories
P.O. Box 1320
Yellowknife NWT X1A 2L9
Tel: (867) 669-2377
Fax: (867) 873-0169

Community Government and Transportation
Box 1000, Station 204
Igaluit, NU X0A 0H0
Tel: (867) 975-5300
Fax: (867) 975-5305


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