Are you getting calls from a debt collector? Under BC law, you have the right to ask the collection agency to contact you in writing or through your lawyer only. Here’s what you need to know.

Your debt collection rights in BC

You have the right to request that the calls stop – when you do this, you’re telling the debt collector you would like to be contacting in writing only (or through your lawyer).

How to get the calls to stop

To get the calls to stop, you must notify the collection agency of your request. Send your written notification in a way that gives you proof of delivery (mail, fax, or email). Keep copies for your record and give the collection agency three to five business days to process your request.

What if the debt collector keeps calling you?

If the calls continue after a few business days, keep track of the incoming calls. You can do that by getting copies of your phone records, taking pictures of your call display or other methods. Once you’ve done that, please submit a complaint to us directly so we can assess the situation.

An important reminder

It’s important to remember that debt collectors are allowed to contact you about the debts you owe – and just because the calls have stopped does not mean the debt has gone away. If the debt is left unpaid, your debt load may become bigger once interest charges begin to build up. An unpaid debt may also affect your credit rating and make any future financing difficult.

Dealing with debt collection calls in BC

We know dealing with debt can be stressful, especially if you’re getting collection calls. In BC, you have rights when it comes to debt collection. Not everyone’s experience with debt is the same but the rules apply to all of us. Learn your rights in BC and access tools and resources to help you on your debt journey.

Learn more

How to get the calls to stop
What to do if it’s not your debt
The rules debt collectors must follow in BC
The impact of debt on your credit report
4 ways to manage debt
Debt relief: Credit counsellors vs debt repayment agents
8 tips for choosing a debt relief service
3 simple steps to create a budget
How to save for a rainy day
How to prepare for changing interest rates

About Consumer Protection BC

We are responsible for licensing debt collectors and regulating certain aspects of the debt collection industry in BC. The law speaks to when a collector can contact you and how they can communicate with you. We can’t help with every debt related issue and we’re not financial advisors. Find out more about us and the other industries and transactions we oversee by exploring our website.