Hey Michael K,
Welcome to Canadian Money Advisor.

Thanks for your input.

Canadian Money Advisor
Money Adviser Canada

Hey Michael K,
Welcome to Canadian Money Advisor.

Thanks for your input.

Canadian Money Advisor
Money Adviser Canada

http://www.cbs.gov.on.ca/mcbs/english/264a_3ea2.htm

http://www.cbs.gov.on.ca/mcbs/english/2692_3ea.htm

some highlights

1. You must be notified in writing at your last known address when a company gives your overdue account to an agency for collection. The collection agency may not take over a debt from a creditor without first advising the debtor.

2. Before a collector demands payment, you must be given the name of the company owed the money, the name of the collection agency and the amount owed. This gives you the opportunity to make sure the account information is correct.

3. Agencies may not make telephone calls of such a nature or frequency that they constitute harassment of you or your family, including repeated calls to you while you're at work. If you believe a collection agency is harassing you, keep a record of the time, date and frequency of the calls. If you decide to make a formal complaint against the collection agency you will require this information.

4. Collection calls may not be made on a Sunday, statutory holiday or on any day before 7 am or after 9 pm.

5. Agencies may not contact your friends, relatives, neighbours or employer for any information other than your address or telephone number, with limited exceptions. These involve special cases, when, for example, someone has cosigned for a good or service you have purchased.