Published on July 23, 2014
Under What Circumstances Can You Stop Collection Calls? : Under What Circumstances Can You Stop Collection Calls? by Mark Silverthorn – Former Collection Lawyer and Collection Industry Insider PowerPoint Presentation: You may be very upset because you are receiving collection calls! If these calls are made at your workplace they can cause you a tremendous amount of grief, particularly if the bill collector speaks to a receptionist, fellow employee, or supervisor. Collection calls at your place of employment may harm your reputation with your co-workers or your boss. In some instances, workplace collection calls might result in a job loss. When I represented consumers some clients complained that their boss threatened to fire them if they received any more collection calls. 1. You can stop collection calls on a bank debt: 1. You can stop collection calls on a bank debt If you are receiving collection calls on monies owed to a bank then you can stop these bank collection calls by doing one or more of the following: 1. by sending a registered letter to the firm making the collection calls requesting that you only receive communications in writing 2. by sending a registered letter to the firm making the collection calls stating that ( i ) you dispute the debt and (ii) you intend to bring the matter before a dispute resolution body, or you are prepared to resolve the matter in court, or 3. by sending a letter to the firm making the collection calls ( i ) requesting that it communicate only with your legal advisor, and (ii) providing a telephone number and address for your legal advisor 2. Those robocalls you are receiving might be illegal : 2. Those robocalls you are receiving might be illegal Did you know those robocalls you are receiving might be illegal? If you receive a collection call the first thing you will typically hear over the phone is the voice of a live collector who is seeking a payment from you. But this is not always the case. It is becoming more and more common in the collection industry for those collecting accounts to use automated messages. Those organizations using automated messages for the purposes of collecting a debt must not run afoul of the federal Canadian Radio-television and Telecommunications Commission (CRTC) whose mandate includes protecting Canadians when they use a telephone 3. Your rights under provincial law to stop collection calls: 3. Your rights under provincial law to stop collection calls In some, but not all, provinces and territories consumers have a legal right to send a letter to a collection agency, containing particular language, after which it is illegal for that collection agency to make any more collection calls with respect to that debt. This right, arising under provincial or territorial law, is not available to the residents of Manitoba, Saskatchewan, New Brunswick, PEI, Newfoundland, the Yukon or Nunavut. These rights are summarized in the following table. To learn more about consumer proposals and personal bankruptcy you should contact a local bankruptcy trustee . About Mark Silverthorn : About Mark Silverthorn Mark Silverthorn is a former collection lawyer and collection industry insider. He is the author of The Wolf At The Door: What To Do When Collection Agencies Come Calling (2010) published by McClelland & Stewart.