How To: Handle Collections Calls

How to:

Handle Debt Collection Calls:

collection calls, debt collectors,

As outlined by Consumer Protection B.C

Getting calls from collection agencies can be scary, and stressful! If you want to handle collections calls, it is important to know what your rights are, and what debt collectors are permitted to do.  The Business Practices and Consumer Protection Act, as put forth by Consumer Protection B.C, is a set of guidelines designed to keep you safe!

Here are a few key rules to keep in mind when collectors call:

When a debt collector calls, confirm that the call is from a creditor you actually owe. Be aware that there are phone scams out there which use scare tactics to steal from you.

Are debt collecters allowed to contact me?

Debt collectors are allowed to contact you about owed debts, but only once the debt is due and payable.

Can I ask the debt collector anything?

  • You have a right to receive information about your debt!  Creditors are required to send you a letter with the details of your debt. Make sure to request communication in writing to keep for your record. This will come in handy for legal issues.

When can a debt collector call?

  • Between 7am to 9pm Monday to Saturday
  • Between 1pm and 5pm Sundays
  • They cannot call on statutory holidays

Can I get a  debt collector to stop calling me?

  • You can fill out a form to request contact in writing only using the “request communication in writing only” found on the consumer BC website.

How do I stop being contacted about somebody else’s debt?

  • Use the “Stop the calls because you are not the debtor” form found on the consumer BC website.

Can a debt collector call my employer?

  • Yes, only to confirm your employment, position, email address and business address. Any other information must first be authorized by you in writing. They can also call once to collect the debt if they fail to reach you at home.

Can a debt collector call my family and acquaintances?

  • Yes, but only to find out your home address, phone number or email.
  • They cannot contact others with the intent to humiliate or threaten you.

Read more about collections calls and how to get debt collectors to stop calling!

 

You may also find these articles useful:

Debt Collectors Invading Your Rights

Understanding Credit Card Fees

Creating A Plan To Pay Off Credit Card Debt

Consumer Proposal

 

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