Are you getting debt collection calls about a debt that is not yours? Sometimes collectors have the wrong or outdated contact information. Here’s what you need to know to fix the problem.
Your debt collection rights in BC
Are you getting calls for John Smith when your name is Sally Anderson? You have the right to notify the collection agency that they have the wrong person. If they continue to call you after you’ve notified them properly, there are options for you.
What to do if it’s not your debt
To let them know that they have the wrong person, you must notify them in writing. Send your 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.
- Notify a collection agency that you are not the debtor:
What if the debt collector keeps calling you?
If the collector keeps calling you after a few business days, keep track of the calls by getting copies of your phone records or by taking pictures of your call display. Once you’ve done that, please submit a complaint to us directly so we can assess the situation.
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.