Question

How do I stop creditors from calling my number?  A collection agency called me at home this morning at 7:36 am.  Are there no restrictions when they can make collection calls? 

Answer

The specific hours when a collection agency can legally call you will vary depending upon what province you live in.  Each province and territory in Canada has a law that sets out specific restrictions on the conduct of collection agencies.  As a general rule, these laws only apply to collection agencies.  They do not appy to collectors employed by your creditor.  In addition. provincial law regulating the conduct of collection agencies does not usually apply to law firms in Canada, a few of which operate like a traditional collection agency.

The first four chapters of my book titled A How-to Guide for Dealing with Collection Agencies in Canada (available on this website) sets out in significant detail how to stop, avoid or discourage collection calls.  You might want to consider obtaining a copy of this book. 

In the alternative, you may want to call me toll free at 1 (866) 996-9941 for a free 10-minute consultation to discuss your situation.  If you live in Ontario, Alberta, British Columbia, or Nova Scotia and you are receiving collection calls you may want to retain my firm, for a modest fee, to send a ‘cease and desist’ letter to a collection agency on your behalf.  Once a collection agency receives a ‘cease and desist’ letter from my law firm it is then illegal for the collection agency to telephone you–the collection agency is limited to communicating directly with my office.