Canadian debt collection rules. Debt collection in Canada.

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:

  • Make a charge or threat that has nothing to do with the collection of the debt;
  • Make abusive calls in which they lose their temper and use profanity or other verbal abuse;
  • Talk to your employer without your permission, unless it's to confirm your employment;
  • Talk to you, your family or your employer in a way that will humiliate or distress anyone.
  • Make frequent calls that constitute harassment. Unless you provide the reason, a collector should NEVER call you more than once a day. Reasonable collection practices should not require that the collector call you more than once a week or every second week in order to determine if your financial situation has changed;
  • Give you a document that is made to look like an official court document when it isn't.

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.

Alberta
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

Saskatchewan
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

Manitoba
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
E-mail: consumersbureau@gov.mb.ca

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

Quebec
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

Yukon
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

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

Copyright©1999-2013


Google