Ever been to a restaurant just to have a wholesome meal after a long day and afterwards, you are about to clear your bills only to find out that your purse is nowhere to be found.
Or after picking up lovely shoes to be paid at the counter that you imagine rocking on a Sunday morning only to discover no money in your wallet. What a humiliation! That is how it feels for those disrupting calls and letters over an overdue collection.
No deal with Debt Collection
Money is in the air and has to be used or kept. True, you do not deal with borrowing stuff or money but that does not stop a loved one from request for credits.
So what is debt collection about? Well, debt collection is the fortune requested from people whose income can not or is not enough to purchase substantial items and it will be paid within or after a certain time.
Debts can arise from unsettled credit cards or loan prices.
According to the laws in Canada guiding debt collection, you will be knowledgeable of who gets involved and the steps to carry out to avoid abuse of your rights.
Who do I pay them to?
When dealing with data collection, you should be enlightened that creditors hand over debtors to the debt agencies. You know, no one enjoys chasing a client over money because it can be energy tasking and demeaning.
So you pay the creditors through the debt collectors.
Wondering who debt collectors are?
Debt collectors can be an individual or an agency hired by creditors on getting to pay off their debts, generally, they are assertive and obnoxious, especially with words and calls.
Some could go as far as contacting your family and persistently calling till they are satisfied, so how do you get over that. You just wait to find out.
Coexistence of Debt Collectors and Collection Harassment
Let us all agree on the attitude displayed by debt agents of demeaning a person relative to collections can be termed collection harassment. It seems to look simple right, but sometimes there is no bound to their actions.
Additionally, the law set up to protect citizens can simply be ignored by the agents. With that in mind, I take you through the laws to stop the harassment.
Debt collection Laws in Canada
With great relief that there are laws to safeguard your right as a consumer. You must know that collectors are banned from
- Calling at inconvenient times or calling so much that you can not give in to your work
- Circulating your name or telling your boss about your position
- Employing profane, vulgar, life-threatening or coercive vernacular on you or your family
- Involving your family in the matter except it is a cosigner or one that wants to stand in the gap for your absence
- Taking drastic measures as far as tricking or misinforming you to pay off the offset.
- Adding extra bills to what you are clear off except for legal fees
According to the provinces, some or more laws are applied to it. You have the right to give them the number to reach you with and the time convenient. You could agree with them to call you three times a week for which you must make yourself available.
So if you come across any debt agency that has practically faulted in part or all then you can defend yourself and keep a record of every happening. Now you know you can deflect such abuses
Phases to Free You from Collection Harassment in Canada
From what has been stated above, you can see for yourself that harassment is not welcomed in Canada, just that some agencies take laws into their own hands and forget the consequences.
Even when you know your privileges, they persist. You can seize the chance of getting your word against theirs! But how?
1. Confirm the Agency
As you know, debt collectors are to send in a letter first before calling you. You can’t trust them so you have to check who the creditor is, the category of debt, the amount of debt both previous and present due, analysis on request, identification of the agency, communication cost prohibited, and paper statement (very mandatory).
And if you did not receive a letter, you are allowed to request it only once. Hopefully, they are recognised by the Canadian government so you can simply report to the forgery agency.
2. Dispatch a Letter
You can deliver a letter to the debt collector indicating your rights and informing them of what way your rights have been abused.
You can make claims to the government on the condition that they have refused to discontinue such an act.
You need concrete proofs such as recordings, letters or testimonials to back up your story and lay a file in complaints with the government.
3. Report to Authorities
Harassment doesn’t come down easily. Now, you have the government involved in the process.
Once you have done that by involving the government in the harassment then the court will be in favour of you.
4. Involve a Lawyer or seek Counselling
I do not want to come in contact with any debt collection agency. Well, say no more! For this is a perfect way out. You can contact a lawyer or a certified Counsellor arranged to engage with the agency.
Should it be that anything comes up, you apply that you are reached through letters and also for those using cell phones.
5. Possibly clear the full debts
As the saying goes, it’s better to be sorry now than later. You just pay up those debts completely to keep your mind at rest because I know you don’t want those bugging calls and writings. All left aside, not all people can afford this easy way out.
Finally, you have been equipped enough to know your rights and to stop harassment on you illegally so do well to share with friends and family too.