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What to Do When Debt Collectors Call

Receiving a call from a debt collector can be a nerve-wracking experience. If you have been unable to make regular payments on your debt; chances are you are already experiencing stress related to managing your money.

Debt collectors can be intimidating and scare you into unaffordable payment plans  that will sink you further into debt. It is important to know your rights.

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When and Who Can They Call?

Collection agents can call only during certain times:


  • on a Monday to Saturday, between 7 a.m. and 9 p.m. local time
  • on a Sunday between 1 p.m. and 5 p.m. local time

Your spouse, family member, relative, neighbor or friend if

  • that person has guaranteed to pay your debt, or
  • you have given the collection agency written permission to do so, or
  • they are only looking to confirm your contact information

Your employer:

  • 1 time only to confirm your employment status, or
  • if the employer has guaranteed your debt, or
  • if you’ve given the agency written permission to contact them, or
  • if the call is about a court order or an automatic deduction from your salary

They are also allowed to do a credit search on you and register the debt to your credit report – which may negatively impact your credit score.

If the collection agency violates any of the above items, you can file a complaint against them with the Ontario Ministry of Government & Consumer Services.

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