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Make Collection Agency's Stop Calling You
Collection agency rules Alberta
Collection Agency Rules British Columbia
Collection Agency Rules Saskatchewan
Collection agency rules Manitoba
Collection Agency Rules Ontario
Collection Agency Rules Quebec
QUEBEC CONSUMER PROTECTION ACT PAGE 2
Collection Agency Rules PEI
Collection Agency Rules Newfoundland & Labrador
Collection agency rules Nunavut
Collection Agency Rules Northwest territories
Collection agency rules in Yukon Territories
Government Of Canada Everything You need to know about credit Page 1
Government Of Canada Everything you need to know about credit Page 2
Goverment of canada everything you need to know about credit page 3
United States Collection Agency Rules
Collection agency rules state of Alabama
Collection Agency Rules Alaska
VIDEO PAGE - VIDEO GUIDE TO STOPPING COLLECTOR CALLS YOUR CREDIT AND MORE
How to file a collection agency complaint and all the collection agency rules.
All your options from bankrupcy to credit counsellors and everything inbetween
List of all trustees in Canada
Canadian Consumer Handbook Collection Agencies
Canadian Consumer Handbook Contracts
Canadian Consumer Handbook Credit Reporting
Canadian Consumer Handbook Debit Card Fraud
Canadian Consumer Handbook Debt
Canadian Consumer Handbook Financial Services
Canadian Consumer Handbook Mortgages
Canadian Consumer Handbook Payday Lending
Build Your Buying Skills From OCA
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Take Charge of Your Debt from OCA
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Learn About the Retail Market from OCA
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Make Collection Agency's Stop Calling You

Have collection agencys calling you?
I'm going to show you how to make them stop for free!
You should never feel like you are being harrased or forced to pay.
They should never yell.
They should never use profanity.
They shouldnt threaten to sue you.

I have put everything you need to know, how to stop the calls, how to file a complaint, how to get your credit beuro, how to file dispute or have debt removed from credit beuro.
I have also listed the rules collection agencys have to follow in each province. Free tools to find anyone online so you can remove yourself from them.
Published a collection agency training manual so you know how they work. Everything you need to know about collection agencys in one place.
 
The first thing you have to do to make the collection agencys stop calling you is write them a letter(template below) stating that you want all further correspondence by mail.
Keep a copy of the letter, send it registerd so you have proof it was received. If they call you again after receiving the letter they are breaking the law.
Now that you have proof that they received the letter and they still called you you can file a complaint. Collection agencys have to record every call to provide to
the ministry if someone files a complaint. If they are calling you more then 3 times a week chances are they are already breaking the law in your province.
You do not need to send the letter requesting the calls to stop to file a complaint you can file a complaint if you feel that you have been treated unfairly in
any way. I have listed all the rules they have to follow by province so you can check to see what rules they have broken and mention them when filing your
complaint. When filing your complaint be as detailed as possible let the ministry know how often they are calling you. If they are yelling or using profanity, if they
are threatening to sue you. Because it might take some time for the ministry to request the call recordings from the collection agency I highly reccomend that you
send the letter requesting all correspondence by mail. If they start sending you threatening letters or if you just want to stop hearing from them completly
mark the maill return to sender and they can no longer send you letters aswell. By filing a complaint, you can possibly have the agency fined, or based on the
severety of the complaint you might have the collector or entire agencys licence revoked from your province. Start writing down how often they are calling you
if they are leaving messeges on your voicemail with anything other then the name of the agency and your reference number they are breaking the law. Anyhing
you feel is abusive or threatening is grounds for a complaint, having them call every day is ground for a complaint aswell. I am going to make it very easy for you,
I am going to write down exactly what you need to write in your letter to make them stop calling you, and im going to give you the numbers to each provincial
ministry so you can file a complaint. I have also published a collection agency training manual so you can learn exactly how they do what they do. At the bottom of
the page there are links for each province including how to file a complaint and where and what laws the collection agency have to follow in your province.
You never have to feel threatend by them again, you never even have to receive a call from them again.


Step 1 Do Not Call Letter
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.

The 3 Week Diet

Attn (name of collector or agency and file number if you have it)
Please accept this letter as my official request that all further correspondence from your agency be by mail.
I have copied this letter and am sending it to the provincial ministry aswell.
Please be advised failing to comply with this letter is not only against the collection agency act, but also grounds for a ministry complaint.
I have send the letter registed so I have proof that it was received and that all calls must cease immidiatly upon receipt.
I would also like to receive a copy of the original signed contract and the date of last payment, 
which if is not provided to me this debt is to be considered null and void.

Sign and date the letter and send it registered. Once delivery confirmation is received if they call you again they are breaking the law.
However by letting them know that you are involving the ministry, and that you want proof of the debt, It is very unlikly they will.
You can also use one of the templates provided above, addresses to send the letters or email or fax is available on each provinces page

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 ABOVE.



Step 2 Determine if debt is still valid

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.

You can easily find out if a debt is still valid by obtaining a copy of your credit beuro, It is free to have a copy mailed to you, just fill out the forms listed below and send it to them by mail fax or email.

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

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.

Step 3 Delete or make private anything online that will give them information about you, its not uncommon for collection agencys to use fake accounts to add you to facebook,
to see if you work is listed or if their are any pictures of you at work, or by checking where your friends work. They also use facebook to track down your family and friends,
to try and get information about you from them.

Once the creditor gets the original contract, lots of times they can't on older debts they will send it to you, with the last payment date attached.
Depending on what province you are in based on the list above if the debt is passed the statute of limitations there is nothing they can do,
and you can reply by saying that the debt is passed the statute of limitations therefor all collection activity must cease. This should
close the file for good, if you havnt already filed a ministry complaint or heard back from the ministry yet. If the debt is not passed the
statute of limitations but is a small debt under 3000 there is very little chance they will do anything. However if its a larger then 3000
and they know where you work and you got a decent job they can very well sue you. This is why catching them breaking the rules
and filing a ministry complaint is so important, it will buy you time and make it less likly they will sue. The next thing you need to do
is use all the people finder tools I have listed on the site, and make sure that their isnt anything online that will tell them where
you work. You will be surprised how easy it is to find people and where they work with tools available online. The last thing you
can do is tell your friend and relatives not to give out any information about you. If a collector can't find where you work online,
he will start calling everyone with your same last name. I have published a
guide on exactly how collectors are trained and what
they do to find people and where they work. The last tool in your toolbox is bankrupcy, if they do end up sueing you and its a
large debt it will be better to go bankrupt then have your wages garnished untill the bill is paid in full plus their legal fees.

How Can You Help
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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


Find Anyone Online useing google tips and tricks


Find Anyone Online using people finding sites (my favorite is pipl.com)





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 ABOVE.

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 councilleers and trustee's listed as
well or 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