Freaked out by debt collection calls? Learn your rights in BC and access tools to help you on your debt journey.

Are you getting debt collection calls?

We know that dealing with debt can be incredibly stressful. In BC, you have rights when it comes to debt collection. Explore this page to learn your rights and access tools and resources to help you on your debt journey. 

We are responsible for enforcing the province’s debt collection laws. We can’t help with every debt-related issue but we’ve put this information together to point you in the right direction.


Your debt collection rights in BC

The law in BC speaks to when a collector can contact you and how they can communicate with you. 

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 several different options to explore.

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 feel in control of your money. Once you’re able, here are some tips 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.