Dealing With Collection Harassment

Summary

Collection agencies in Ontario must adhere to the Collection and Debt Settlement Services Act, prohibiting harassment and abusive language. They can only contact you during specified hours and must respect requests for written communication. To address harassment, file a complaint with the Ministry of Government and Consumer Services, including documentation of any unethical tactics. Understanding your rights can help you manage interactions with collection agents effectively.

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I want info on both
Sure! Here's how you can handle both filing a complaint and understanding your rights:
*. Filing a Complaint:
- You can file a complaint with the Ministry of Government and Consumer Services in Ontario.
- Include documentation of any harassment and unethical tactics used by the agency.
*. Understanding Your Rights:
- You have the right to request communication only in writing.
- Collection agencies must adhere to the hours of communication mentioned earlier.
- They cannot threaten, harass, or use abusive language.
If you need more detailed guidance, let me know!