Are you getting debt collection calls? 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 debt collection 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 debt collection 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.
- Request communication in writing only:
- Request communication through your lawyer only:
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.
Where to go for more information
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. The law speaks to when a collector can contact you and how they can communicate with you. Learn more about your rights for debt collection in BC.
Financial advice isn’t something we can help you with directly but there are other options to consider. The Financial Consumer Agency of Canada has tons of information about how to manage your debt and the different resources available.
You may also be interested in speaking to your financial institution or a financial advisor to see if they can offer you personalized advice on your financial situation.
About Consumer Protection BC
We’re a not-for-profit provincial regulator. We are responsible for licensing debt collectors and regulating certain aspects of the debt collection industry in BC. The laws we oversee capture your rights when it comes to credit reporting, debt collection, payday loans, high-cost loans, and certain aspects of debt repayment services. Find out more about us and the other industries and transactions we oversee by exploring our website.
More debt and borrowing resources
How to make a plan to manage your debt
Comparing different debt relief options
The impact of debt on your credit report
How to improve your credit score
How to build healthy financial habits
Things to think about before you take out a loan
Understanding the cost of your loan
The rules for payday lenders in BC
The risks of borrowing money from unlicensed lenders
Buy now, pay later plans: what you need to know
Tell us what you think for a chance to win!
The information above is part of a consumer education initiative on debt and borrowing in BC and we want your input!
By completing the survey, you will be entered to win one of two $300 prizes and you’ll support consumer education in the province. Your feedback will help us fine-tune our educational resources so we can continually improve and help more people make informed debt choices in BC.