Stop Creditor Harassment: Tips on Stopping Harassment From Creditors

Tips on Stopping Creditor Harassment

Dealing with debt can feel overwhelming and even scary at times but it doesn’t have to.

By learning more about debt management and your rights, you can stop creditor harassment and find a better way to handle your finances.

If you’re currently in debt and you’re being hounded by creditors or collection agencies, it can have a detrimental impact on your emotional well-being and your quality of life.

By addressing these issues and putting a stop to constant attempts to contact you, you can enjoy a more relaxed day-to-day lifestyle and a clearer frame of mind.

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Are creditors allowed to contact you?


Creditors can contact you but there are laws and regulations they have to follow.

For example, the law states that a creditor must clearly identify themselves when they contact you.

If they are reluctant to give you their name or contact details, they’re breaching this regulation and you’re entitled to report them.

In addition to this, creditors and collection agents should only contact you at a reasonable time.

This means you shouldn’t be getting phone calls late in the evening, throughout the night or early in the morning.

Different regions have varying definitions of what constitutes a reasonable time, so check local and provincial laws to see what the rules are in your area.

Can creditors contact you at work?

Yes, unless you tell them not to.

Understandably, most people do not want creditors or collection agents to contact them at their place of work.

Rather than living in fear that they’ll attempt to do so, make it clear that you do not give them permission to contact you via your workplace.

Remember – all communications should be in writing and you should keep a copy of everything you send.

If possible, obtain proof of postage or a signature upon delivery so you can prove that the correspondence was sent and delivered.

Who can creditors talk to?

A creditor or debt collector can only discuss your financial situation with you, or people signed on to the debt.

If you have a joint credit card with your spouse, for example, a creditor would be able to discuss the debt with him or her.

In some instances, you may feel it’s appropriate to give permission for someone else to liaise with a creditor or collection agent on your behalf.

If so, the lender or debt collector will be able to discuss your financial situation with the appointed person or people.

Rest assured, you need to give your permission for them to be able to do this.

How to Stop Creditor Harassment

The most effective way to prevent creditor harassment is to take a proactive approach to debt management.

Although it’s tempting to try and avoid creditors when you get behind on repayments, this isn’t a long-term solution.

By facing the situation head on and coming to an agreement, you can stop ongoing harassment and get your finances back on track.

Fortunately, you don’t have to deal with bad debts, escalating bills or creditor harassment alone.

There are plenty of places to turn to for support when you’re struggling with debts, so don’t suffer in silence.

Contact Bankruptcy Canada Now

At Bankruptcy Canada, we’ve helped over 100,000 Canadians access debt relief services.

By talking to a trustee in confidence, you can learn more about how debt relief works and what options are available to you.

As everyone’s financial situation and circumstances are different, it’s important to get bespoke advice that’s personalized to you.

Once you have more information about the debt management and relief services that are available, you will be able to decide which options are most applicable to you.

However, the support doesn’t stop there.

As well as making you aware of the debt relief services that you could help stop creditor harassment, we can help you to navigate your way through the administrative aspects of managing your debts.

To learn more, talk to our friendly team now on (877) 879-4770.

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