Collection Agencies

Collection Agencies – Information and Advice

If you owe money to a creditor and have stopped making your payments then debt collectors and collection agencies might start calling you to recover the money owed.

Tips for Dealing With Collections:

• If possible, your best course of action would be paying the amount you owe;
Contact the collection agency and explain your situation and make a fair offer to repay the debt if you are unable to pay the complete amount you owe in full;
• Make sure to get any agreements made with the collection agency in writing;
• Get receipts for all payments to the collection agency as proof of your payment (never send cash);
• You will receive written notification when your debt has been sold to a collection agency.

What if I’ve Been Treated Unfairly?

There are rules and regulations as to what a collection agency can do and you have certain rights in regarding as to how debt can be collected from you.

For example, a debt collector representative will not be allowed to contact you and use abusive language or contact you to early in the morning.

A debt collection agency is sometimes called in to deal with uncollected debt.

Businesses will hire a collection agency if they have trouble collecting from a debtor.

Often credit bureaus will note such a collection activity in your credit report, which could have a severely negative impact on your credit score.

Need Help Reviewing Your Financial Situation?
Contact a Licensed Trustee for a Free Debt Relief Evaluation

Call 877-879-4770


There are specific rules regarding what a debt collector working at an agency can or cannot do by province.

Various Debt Collection Rules by Province:


What Creditors Can Do If You Can’t Pay

Bill Collection and Debt Repayment

British Columbia

Business Practices and Consumer Protection Act


Collection Practices

The Consumer Protection Act

New Brunswick

Collections Act

Newfoundland and Labrador

Collectors — Frequently Asked Questions

Northwest Territories

Consumer Protection Act


Consumer Protection Act

Prince Edward Island

Rights and Responsibilities of Consumers


Les comptes en souffrances (French Only)

Yukon Consumer Protection Act

Consumers Protection Act

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