Getting calls from a debt collector?

Let’s address the elephant in the room

You’re getting collection calls. We know that it can be stressful but in BC, you have rights when it comes to debt collection. We’re sharing information to help you learn your rights and access tools and resources to support you on your debt journey. 

As a BC regulator, we are responsible for enforcing the province’s debt collection laws. We can’t help with every debt-related issue but we have information to point you in the right direction. On this page you can expect to find information about:

  • Your debt collection rights in BC: Find out what the law says so you can make informed decisions and exercise your rights as a consumer.
  • Resources that can help with debt: Check out our tips for choosing the debt support that’s right for you.
  • Planning for the future: Explore tips and access resources to help you create a budget, save for an emergency, and prepare for potential changes.

Your debt collection rights in BC

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 what he law says and use our self-help tools to help you exercise your rights in BC. 

How to get the calls to stop

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

What to do if it’s not your debt

Are you getting calls about a debt that is not yours? Sometimes collectors have the wrong contact information. Here’s how you can fix the problem.

The rules debt collectors must follow in BC

The law speaks to when a collector can contact you and how they can communicate with you. Brush up on your rights in BC.

  

How debt impacts your credit report

Find out how debt affects your credit score and learn some ways you can update or change your credit report.

 

 

 

 


Resources that can help with debt

If you’re looking for support while paying down debt, there are many options to explore. While we can’t help with every debt related issue (and we aren’t financial advisors), there are other resources out there that might be the right fit for you.

4 ways to manage debt

If you’re dealing with debt, know there are ways to manage your debts and begin to pay them off. Here are four ways to get started.

Debt relief: credit counsellors vs debt repayment agents

If you’re dealing with debt and decide you want help from a credit counsellor or debt repayment agent, here are some things to keep in mind.

8 tips for choosing a debt relief service

Before you sign up for any service that promises to rid you of your financial woes, make sure you know what to expect.


Planning for the future

Paying off debt is an important first step to begin to feel in control of your money. Once you’re able, here are some tips and tools to help you plan for the future and avoid taking on additional debt.

3 simple steps to create a budget

Creating a budget is one of the best ways to stay on track with your spending and feel more in control of your money. It will help you tuck money away for your expenses and goals.

How to save for a rainy day

While it’s important to focus on paying off your debts first, tucking some money away for an emergency can help you avoid taking on additional debt.

How to prepare for rising interest rates

A rise in interest rates can be challenging if you’re paying off debt. Here are some ways you can take steps to manage a potential change.