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How to file a collection agency complaint and all the collection agency rules.

 How to file a collection agency complaint: this video shows you how to file a collection agency complaint in each province. You can file a complaint because a collection agency is breaking the rules in calling you or sending you letters. For example if a debt is past the statute of limitations the collection agency cannot call or send you letters asking to pay this debt. If a collection agency is calling you more then 3 times a week, if the collection agency is calling you back after you hang up. If the collection agency is yelling using profanity or is anyway anything but professional you can file a collection agency complaint. If a collection agency calls you early in the morning and late at night you can file a collection agency complaint. If a collection agency talks to anyone other than yourself or an approved third party(for a third party to be approved they have to be either representing you as your lawyer or you have given permission for the collection agency to speak to them. They cannot call your relatives and tell them you owe a debt, if they do call your relatives they can't lie about why they are calling they can only ask for contact information for you, again they cannot mislead them into thinking they are a friend of yours, a collection agency talking to anyone other than you or an approved party about the debt is grounds for a collection agency complaint. They cannot call your employer and ask them anything other then confirm you are working there, and in some provinces they cannot call your employer at all any contact not approved by you regarding the debt are grounds for a collection agency complaint. File a complaint if you feel the collection agency has treated you unfairly, or if they are calling you about a debt you don’t owe. Earlier we went over all of the reasons collection agency’s can call you and it be illegal and grounds for a collection agency complaint. Filing a collection agency complaint can help more than just you, If the collector you are dealing with is causing you mental anguish then he is probably harassing other people too. The average collection agency collector deals with 200 files at a time. Because collection agency employees or collectors get paid on commission and are trained by their managers to threaten, yell and involve family members to get the file paid so they can make their commission too. Filing a collection agency complaint if egregious enough can cost a collection agency its licence to collect in your province, or have the collector banned from collecting in your province. Filing a collection agency complaint also lets the client original creditor know what kind of people they have collecting their debts. I urge you to download a call recording app on your cell phone and tape these evil collection agency collectors. If enough complaints are filed and enough unfair collection practices are exposed then maybe we can stop collection agency harassment and mental anguish from affecting another person. I have published a collection agency training manual on my website so you can understand how collection agency’s work. www.myskipassist.com also on the website you can find out all the collection rules for each province and how to file a complaint in each province. http://myskipassist.com/makecollectionagencysstopcalling.php I have worked in a collection agency, I have tried to stop the way they operate from the inside and have been demoted and ridiculed for it. I know how it feels to be harassed by them please file any and all infractions as collection agency complaints. Remember they can only talk to you about the debt if they have verified they are talking to the right person that means they have to have asked for at least 2 points of reference your birthday and your address or your sin or full name including middle names.  And in some cases they need to verify by all points of reference before speaking to you, if they just ask your name then start asking you to pay the debt they are breaking the law. Record all conversations so you can send them with you collection agency complaint. If you havnt recorded the conversation then the ministry will get the call recordings from the collection agency. However I have personally seen them erase the most damming call recordings and only send the ones they don’t fell are as bad. So make sure if you’re not recording the call to write down the time they called you at and the duration of the call, so when you file your collection agency complaint the ministry can get all the call recordings. Go on the website send the no call letter, that way they can’t call you anymore.  Ask for proof of the debt when you send your do not call letter ask for the original signed contract and the date of last payments. If they can’t provide these the debt is not valid. Get a copy of your credit beuro and if the debt is not on their debts no longer valid. File any and all collection agency infractions as collection agency complaint.

How to file a complaint for each province and the rules collection agencies have to follow for every province and Territory
Collection rules in Ontario
Collection rules in Manitoba
Collection rules in Saskatchewan
Collection rules in Alberta
Collection Rules in British Columbia
Collection rules in Prince Edward Island
Collection rules in Newfoundland & Labrador
Collection rules in Northwest Territories
Collection rules in Yukon Territories
Collection Rules in Nunevut

ADD YOUR NUMBER TO THE NATIONAL DO NOT CALL LIST - FOR TELEMARKETING CALLS, COLLECTION AGENCIES CAN STILL CALL YOU UNTILL YOU SEND THE DO NOT CALL LETTER BELOW.

 


Our video On how to file a collection agency complaint 

We also highly recommend sending out the do not call letter which stops collection agencies from calling period, where you will also find link to get your credit report for free, and statute of limiations for each province.

Click the link here for a pre-written collection agency Do Not Call letter.

Click here for a pre-written collection agency letter requesting all calls be directed to your lawyer.

Click here for a pre-written collection agency letter to dispute the debt.

Click here for a pre-written collection agency letter requesting all calls to stop because you are not the debtor. link to our stop collection agency's from calling page
http://www.myskipassist.com/makecollectionagencysstopcalling.php

 


Also view our other videos on our Video page  http://www.myskipassist.com/VIDEOPAGE-VIDEOGUIDETOSTOPPINGCOLLECTORCALLSYOURCREDITANDMORE.php

Get your free credit report, your annual credit report or free credit score. The credit Expert explains how easy it is to get your free credit score or free credit report. The credit expert explains how important having your free credit report and score is when making a major purchase or even just to prevent identity theft. Having your free credit report and free credit score tells you what the banker or loans officer(credit expert) is making his decision based on.  The credit expert shows you where to request your free credit report and your free credit score. You can also request your credit score online for a free it comes with credit monitoring and free annual credit report and free credit score. The easiest way to request your free credit report and your free credit score is to print the forms off our website and mail them to the credit reporting agency. You will need to request your free credit report and your free credit score from each credit reporting agency. You can also request your free credit report and your free credit report on their website; however they will want you to sign up for their credit monitoring service. Honestly I as a credit expert believe its money well spent as they will notify you of any changes on your free credit report or free credit score. However today we are going to explain how to get your free credit report and your free credit score, as well teach you how to do your own credit check read the credit report and become a credit expert yourself.  Once you receive your free credit report and free credit score by mail, you can follow along the videos to learn what each section of the credit report means and how this translates to your free credit score. Start by checking to see if everything on your free credit report and credit score looks familiar. If there are addresses, credit items, names in the name and also known as field, or employers you don’t recognize you might be a victim of identity theft or it could be a credit report mismatch. Identity theft is a growing problem all people need to know about you to open credit in your name is widely available online social networking sites, blogs, job search, classifieds or stealing mail. Once identity thieves have your information the only way you would find out is by checking your credit report for inconsistencies. However by them time this happens the damage to your free credit report and credit score is permanent.  There are ways to prevent identity theft completely and update your free credit report and credit score saying you have been a victim of identity theft, but the information is almost never completely removed from your free credit report and your free credit score. I mentioned earlier that all credit reporting agencies offer a credit monitoring package which stop identity thieves from every effecting your free credit report and your free credit score. That being said the best way to ensure your free credit report and free credit score stays In good standing other than that is free is to request your free credit report and free credit score using the letters on my website http://www.myskipassist.com/makecollectionagencysstopcalling.php . The other threat your free credit report and free credit score faces is credit report mismatches. Credit report mismatches happen on your free credit report and your free credit score when another person has a similar name, birthday, address and the free credit reporting agency thinks they are you and puts their credit items on your free credit report. I know how it sounds but it happens more and more as the numbers of credit report grow really the only piece of information the credit reporting agency has that can’t appear in more than one free credit report is your SIN number. Many creditors either don’t ask, or it’s optional to provide as is required by law therefore more and more free credit report mismatches occur. Because all the free credit report and free credit score reporting agencies are almost completely computer automated a person could go him whole life never realizing that his credit report is not entirely his or hers. That is why it is of the utmost importance to get your free credit report and score regularly to ensure that it is correct and up to date. Another common occurrence on free credit reports and free credit score’s is files that are past the statute of limitation and no longer collectable and that should no longer be on your free credit report or your free credit score. You can print our forms to update your free credit report and free credit score at all the free credit report and free credit score agency’s on our website at http://www.myskipassist.com/makecollectionagencysstopcalling.php .

Equifax credit beuro request form

Trans Union credit beuro request form This is also a good way to check if your credit information is accurate, if its passed its statute of limitiations for your province it needs to be removed. You can request items removed or marked as dispute with the forms below.

Equifax Credit Beuro Update Form

Trans Union Credit Beuro Update Form


There is also something called the statute of limitation on debts in canada depending on what province your in your debt is probably already past the date
they can legally collect on the debt. Whatever you do dont make a payment, if you make a payment it resets the debt back as if you just signed the contract.
So the limitations I will list below are from the last payment you made.

The Federal and Provincial Governments have Limitation Acts which provide a limit on the time an unsecured debt can be perused by legal proceedings.
If an unsecured debt is not collected, or payments are not made on the unsecured debt within these time limits, then legal action cannot be taken by the creditor.

  • British Columbia – Section 3 (5) of the BC Limitation Act sets 6 years as the limit for debt.
  • Alberta – The Alberta Limitations Act sets 2 years as the term which is extended to 10 years if there is a judgement.
  • Manitoba – Limitation of Actions Act, C.C.S.M. c. L150, s. 2(1)(g) sets 6 years as the limit for debt.
  • New BrunswickLimitation of Actions Act, S.N.B. 2009, c. L-8.5. sets 6 years as the limit for debt.
  • Newfoundland and LabradorLimitations Act, S.N.L. 1995, c. L-16.1, ss. 5(b); 13; 14. sets 2 years as the limit for debt.
  • Nanavut Limitation of Actions Act, R.S.N.W.T. 1988, c.L-8, s. 2(e). sets 6 years as the limit for debt.
  • Nova ScotiaLimitation of Actions Act, R.S.N.S. 1989, c.258, s. 2(1)(e). sets 6 years as the limited for debt.  However, within 4 years of expiry of general limitation period, court may disallow the limitation period, having regard to circumstances of the case – Listed are enumerated factors to consider including date of “discovery” of claim.
  • NWTLimitation of Actions Act, R.S.N.W.T. 1988, c. L-8, s. 2(e). sets 6 years as the limit for debt.
  • Ontario – The Ontario Limitation Act of 2002 , came into force on January 1, 2004. It sets 2 years as the term (Section 4). However, this limitation will be reinstated where the debtor acknowledges the debt or makes a partial payment towards the debt. If the debt default occurred prior to January 1, 2004, the creditor will have 6 years to pursue the claim. However, if the default occurred after January 1, 2004 then the credit will just have the 2 year limit.
  • P.E.I. Statute of Limitations, R.S.P.E.I. 1988, c. S-7, s. 2(1)(g). sets 6 years as the limit for debt.
  • Quebec – Civil Code of Quebec, S.Q. 1991, c. 64, art. 2925. sets 3 years as the limit for debt.
  • SaskatchewanLimitations Act, S.S. 2004, c. L-16.1. sets 2 years as the limit for debt.
  • YukonLimitation of Actions Act, R.S.Y. 2002, c. 139, s. 2(1)(e), (f). sets 6 years as the limit for debt.

 

  • Federal – Section 32 of the Crown Liability and Proceedings Act sets 6 years as the limit for debt. Consumers, however must be careful when dealing with the statute of limitations regarding debts at the Federal or Provincial Government level. These include student loans, child support, taxes and alimony.

 In the event that a judgement has been filed against a consumer, limitations are still set of the time that judgement can be collected. It is also important to note that limitation can be reset. Limitations begin when a cause of action arises, this is typical the date of last activity or the date of last payment, therefore if you have a bad debt and you start making payments, the statute of limitations resets.


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2. Share this website with your emails simply copy and pase the following link:
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3. If you think someone you know is being harrased, intimidated or bullyed in any other way. Help them send
do not call letter.
4. Help them file a ministry complaint by clicking the province they live in and sending in the complaint form.
5. If you are financialy able to make a donation to our cause you can feel good knowing the donation money is going to good use helping us end
collection agency bullying and harrasment for good. To make a donation please click the button below.


You can also support us by purchasing one of the offers listed below, this way you can get something for youself and at the same time make a donation. We appriciate any help no matter how small. We can also mention your name or buisness name on our donation page, we would really like to have some reputible credit counsellor's and trustee's listed as well as any other person or buisness that would like to donate. If you don't want to be listed that is fine too.

Debt collectors Information, debt collector is a term for a licensed bill collector and debtor is term for person in debt which is secured or unsecured debt

get out of debt, how can you be debt free

credit card debt and all other unsecured debt

 

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Find People, Find Phone Numbers, Find Addresses, Find Buisnesses, Your #1 Trace tool & collection agency guide My skip assistPeople Finding websitesFinding people using google, google tricks, Consumer protection websites canadaMake Collection Agency's Stop Calling YouCollection agency rules AlbertaCollection Agency Rules British ColumbiaCollection Agency Rules SaskatchewanCollection agency rules ManitobaCollection Agency Rules OntarioCollection Agency Rules QuebecQUEBEC CONSUMER PROTECTION ACT PAGE 2Collection Agency Rules PEICollection Agency Rules Newfoundland & LabradorCollection agency rules NunavutCollection Agency Rules Northwest territoriesCollection agency rules in Yukon TerritoriesGovernment Of Canada Everything You need to know about credit Page 1Government Of Canada Everything you need to know about credit Page 2Goverment of canada everything you need to know about credit page 3United States Collection Agency RulesCollection agency rules state of AlabamaCollection Agency Rules AlaskaVIDEO PAGE - VIDEO GUIDE TO STOPPING COLLECTOR CALLS YOUR CREDIT AND MOREHow to file a collection agency complaint and all the collection agency rules. All your options from bankrupcy to credit counsellors and everything inbetweenList of all trustees in CanadaCanadian Consumer Handbook Collection AgenciesCanadian Consumer Handbook ContractsCanadian Consumer Handbook Credit ReportingCanadian Consumer Handbook Debit Card FraudCanadian Consumer Handbook DebtCanadian Consumer Handbook Financial ServicesCanadian Consumer Handbook MortgagesCanadian Consumer Handbook Payday LendingBuild Your Buying Skills From OCASpending Smarter Tools from OCATake Charge of Your Debt from OCACellphones from OCALearn About the Retail Market from OCAProtect Your Privacy from OCAGet a Mortgage, Mortgage Refinanace, Second Mortgage, Equity LoanMortgage Basics- What you need to knowHow credit effects your mortgageGuestbookALL Collection Agency's in Canada page 1ALL Collection Agency's in Canada Page 2ALL Collection Agencys in Canada page 3ALL Collection Agency's in Canada Page 4ALL Collection Agency's in Canada Page 5