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Difference between revisions of "Dealing with Debt (10:V)"
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→B. Debtors’ Assistance Referrals and Resources
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'''NOTE: Exercise caution when hiring a credit counsellor. There are a number of credit counselling agencies that collect fees from a debtor and do not contact the creditor until they have collected enough money to cover their own fees, thus leaving the debtor vulnerable to creditor action. Any corporation that collects and/or settles debt in BC should be registered with the Consumer Protection Agency (the Credit Counselling Society is a licensed organization). For information on your rights relating to debt collection, refer to the Debt Collection tab on the [http://www.consumerprotectionbc.ca/ Consumer Protection Agency website].''' | '''NOTE: Exercise caution when hiring a credit counsellor. There are a number of credit counselling agencies that collect fees from a debtor and do not contact the creditor until they have collected enough money to cover their own fees, thus leaving the debtor vulnerable to creditor action. Any corporation that collects and/or settles debt in BC should be registered with the Consumer Protection Agency (the Credit Counselling Society is a licensed organization). For information on your rights relating to debt collection, refer to the Debt Collection tab on the [http://www.consumerprotectionbc.ca/ Consumer Protection Agency website].''' | ||
'''Credit Counselling Society''' | |||
{{ResourcesLSLAP_nodescription | |||
| address = 330 - 435 Columbia Street <br /> New Westminster, B.C. V3L 5N8 | |||
| 330 - 435 Columbia Street | | phone = 1-888-527-8999 | ||
| | | online = [http://www.nomoredebts.org Website] | ||
| | }} | ||
The Financial Consumer Agency of Canada (“FCAC”) publishes a great deal of useful information on consumer’s rights as they relate to financial institutions, including information on opening personal banking accounts and guidelines for garnishing joint accounts: see http://www.fcac-acfc.gc.ca. Clients should be advised that credit unions in B.C. are governed by the provincial Financial Institutions Commission (“FICOM”). See http://www.fic.gov.bc.ca for further details. | The Financial Consumer Agency of Canada (“FCAC”) publishes a great deal of useful information on consumer’s rights as they relate to financial institutions, including information on opening personal banking accounts and guidelines for garnishing joint accounts: see http://www.fcac-acfc.gc.ca. Clients should be advised that credit unions in B.C. are governed by the provincial Financial Institutions Commission (“FICOM”). See http://www.fic.gov.bc.ca for further details. | ||
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For further information the Office of the Superintendent of Bankruptcy can be contacted at: | For further information the Office of the Superintendent of Bankruptcy can be contacted at: | ||
'''Office of the Superintendent of Bankruptcy''' | |||
{{ResourcesLSLAP_nodescription | |||
| 2000 - 300 West Georgia Street | | address = 2000 - 300 West Georgia Street <br /> Vancouver, B.C. V6B 6E1 | ||
| phone = (877) 376-9902 <br /> Fax: (604) 666-4610 | |||
| online = [http://www.ic.gc.ca/eic/site/bsf-osb.nsf/eng/home Website] | |||
}} | |||
| Fax: (604) 666-4610 | |||
| | |||
== C. Communicating with Creditors when Unable to Make Contractual Payments == | == C. Communicating with Creditors when Unable to Make Contractual Payments == | ||