Getting Debt Collectors Off Your Doorstep

For most of us, debt is just another part of day-to-day life.

It’s inconvenient and irritating, but we deal with it proactively and try to pay it off as soon as we can.

However, debt can quickly become a slippery slope.

When we pile new debts on top of old debts we can quickly lose track of how much we need to pay off every month and which interest rates pertain to which debts.

And when we lose control of our debts, it’s only a matter of time until we need to default on them, and the Debt Collectors come knocking.

This can be a source of great distress and embarrassment for you and your loved ones.

Here are some ways to get them off your doorstep for good.

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

Call 877-879-4770


Learn what they can and cannot do

While we tend to assume that debt collectors are all-powerful, their abilities are more limited than many realize.

Here are some important things to keep in mind about debt collectors:


  • If you live in British Columbia, Alberta, Quebec, Ontario, Nova Scotia, or Prince Edward Island, you are legally entitled to send Debt Collectors packing if you can demonstrate that you’ve “properly disputed” the debt in writing.
  • They probably won’t take legal action, even if they make threats to the contrary. It’s time consuming and expensive for them. It’s estimated that collection agencies only sue in around 1 in 10,000 cases.
  • Debt collection agencies don’t always work for your creditors. They will more than likely have bought the debt from your creditor for a fraction of what you owe. Which means they’re likely to be amenable to a partial settlement.


Consider a Consumer Proposal

In some cases, your creditors may be amenable to setting up a Debt Management Plan.

They may be willing to waive some interest in order to make repayment more manageable.

However, this debt relief option cannot be applied to government and CRA debts.

If your total debt is below $250,000 you may be better served by setting up a Consumer Proposal.

This can put an instant stop to debt collectors turning up on your doorstep and other punitive measures like Wage Garnishment.

Under a Consumer Proposal you can write off up to 80% of your principal debt and put an instant stop to interest rates and other fees.

A Consumer Proposal will have a lasting impact on your credit rating (for around 3 years) but it can also allow you to be completely free of your debts within 5 years.

Talk to a professional

You are not alone!

Talking to a professional about your options can not only get Debt Collectors off your doorstep, it can help you feel a lot better about your debts.

Since 1999 we’ve helped over 100,000 Canadians from all walks of life to escape their debts and get the financial fresh start they deserve.

Want to know more about how we can help?

Call us today on (877)879-4770 to arrange a risk-free, zero-obligation and completely confidential callback.

Information on Consumer Proposals

Consumer Proposals in Canada – An Alternative to Bankruptcy
What is a Consumer Proposal?
How to Amend a Consumer Proposal
What are the Benefits of a Consumer Proposal?
What are the Steps in a Proposal?
Consumer Proposal Eligibility
What Debts Are Erased in a Consumer Proposal?
Is There Life After a Proposal?

Canadian Bankruptcies

How to File for Bankruptcy
What is Bankruptcy?
Bankruptcy FAQs
How Does Bankruptcy Work?
What is the Cost of Bankruptcy in Canada?
How to Rebuild Credit Following Bankruptcy
Personal Bankruptcy in Canada
What Debts are Erased in Bankruptcy?

Please post a follow up comment below:

(Note: Comments are reviewed before posting.)