UPDATE: Please note that changes were made to the Business Practices & Consumer Protection Act and debt collection and repayment regulation, effective April 1, 2016. The amendments include clarification for debt collectors related to the limited circumstances when they are allowed to contact a consumer’s employer. Please visit this blog post – New things to know about BC’s debt collection laws for up-to-date consumer information and links to the law.)
Just in time for Financial Literacy Month, we’re sharing three little-known facts about what debt collectors are (and aren’t) allowed to do when collecting debts from BC consumers.
Fact #1: A debt collector can’t call your workplace, except in these instances:
- To ask you for your home address and phone number (but only if they don’t already have it);
- To make one attempt at collecting the debt; and
- To confirm your employment, title and business address with your employer.
Fact #2: You can request that a collection agency contact you in writing only (and not by phone).
To do this, fill out a form – request for communication in writing only and send it to the collection agency. Once the agency receives this letter, they are not allowed to contact you by phone.
Fact #3: A debt collector can call you on a Sunday.
But only between 1 and 5 p.m (your time). During the rest of the week, Mondays through Saturdays, debt collectors are limited to calling you in the hours between 7 a.m. and 9 p.m. On statutory holidays, debt collectors aren’t allowed to call at all.
Our office administers BC’s debt collection law. For more information about debt collection in BC, please visit our website.
Getting calls from a debt collector?
New things to know about BC’s debt collection laws
Asking a debt collector to only communicate with you in writing: what you need to know
What would you do? A guide to being a savvy consumer: debt collection calls