Difference between revisions of "Dealing with Debt Collectors"

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===A collector can’t harass you===
===A collector can’t harass you===
Under the law in BC, a collector (including a collection agent) can’t communicate with a debtor in a way that amounts to '''harassment'''. Examples of harassment include:
Under the [https://www.canlii.org/en/bc/laws/stat/sbc-2004-c-2/latest/sbc-2004-c-2.html#sec114_smooth law in BC], a collector (including a collection agent) can’t communicate with a debtor in a way that amounts to '''harassment'''. Examples of harassment include:
*using threatening, profane or intimidating language
*using threatening, profane or intimidating language
*exerting excessive or unreasonable pressure
*exerting excessive or unreasonable pressure
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*convey false information with the intent to alarm a debtor
*convey false information with the intent to alarm a debtor


A collector can’t be deceptive. For example, they can’t send you letters that look like they come from the government when they don’t. That’s considered false information designed to scare you.  
A collector can’t be deceptive. For example, they can’t send you letters that look like they come from the government when they don’t. That’s considered false information designed to scare you.


==How a collector can contact you===
==How a collector can contact you===
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