If you're bankrupt, just refer them to your trustee.

Desperado,

Are you on drugs? If you read the post on the Ali Velshi you would know I was kidding. The people that seek my advice on here are very satisfied and for you to tell them not to listen to me is uncalled for. When you’re talking to your friend Raymond tell him a real man would write a letter of apology when I proved to him wrong. If you’re coming on here to insult, misguide and waste people’s time find another site to do so.It doesn't make sense you filed for bankruptcy and they are still calling you.If that is the case have your trustee call them.

Average Joe, you're soo funny.

I am been haunted by TCR and they broke EVERY single rule you have posted, they are even spoofing their phone to xxx 123 4567 and there is NOTHING I can do about.
They call my wife cell phone and ask to talk to me even tough they know as a recent bankrupt they are not allowed to contact me.

People, listen to Raymond and just ignore Avg Joe's advices as they're useless..

NEVER talk to this SCUM (collection agency) ... EVER.

BTW, Velshi thing NEVER happened . Velshi works for CNN USA and they have NO INTERES on how things are done in Canada... different country.

You may fear phone calls day and night if you fall behind on your bills, but there are strict regulations collections agencies must adhere to when they're trying to get you to pay up.

Here's a look at what the collectors are forbidden to do under the province's Collection Agencies Act:

Contacting a consumer until six days have passed from sending the consumer written notice of the following:

-the name of the creditor

-the balance owing

-the name of the agency and its authority to demand payment

Continuing to contact a consumer if he or she did not receive the notice unless a second copy of the written notice is sent to an address provided by the consumer, and then contact may only be made six days after sending notice

Contacting a consumer if he or she (or his or her lawyer) sends a registered letter to the agency disputing the debt and suggesting the matter be taken to court

Contacting a consumer if he or she notifies the agency by registered mail to communicate only with a lawyer appointed by the consumer (the lawyer's name, address and telephone number must be provided to the agency)

Contacting a consumer on Sunday, except between the hours of 1 p.m. and 5 p.m., and on a holiday

Contacting a consumer, other than by ordinary mail, more than three times in a seven-day period without consent, once the agency has actually spoken with the consumer

Using threatening, profane, intimidating or coercive language, or using undue, excessive or unreasonable pressure

Continuing to contact a consumer if he or she has told them that he or she is not the person they are looking for unless they take reasonable precautions to ensure he or she is that person

Giving false or misleading information to any person

Recommending to a creditor that legal action be commenced against a consumer without first sending notice to the consumer

Contacting a consumer's employer except on one occasion to obtain employment information, unless the employer has guaranteed the debt, the call is in respect of a court order or wage assignment or the consumer has provided written authorization to contact the consumer's employer

Contacting a consumer's spouse, a member of the consumer's family or household, or a relative, neighbor or acquaintance except to obtain the consumer's address and telephone number unless the person contacted has guaranteed the debt or the consumer has given permission for the person to be contacted.
A few precautions can eliminate common complaints:

Repay debt that has gone to a collection agency as soon as possible. If you need to borrow money, make sure you borrow it as cheaply as possible.

Compare rates on credit cards or personal loans.

Never send cash. Always make payments in such a way that you have a receipt - either a cancelled cheque from your bank or a receipt from the agency.

Negotiate a payment schedule you can live with and stick to it.

Avoid payday loans, which are marketed as a quick and easy way to get cash until the next payday. They charge additional fees that can make these loans too high to repay.
If you'd like to file a complaint, or for more information, click here.

For help managing your finances, visit the Credit Counseling Services of Toronto website by clicking here.