Collection Agencies - Out of Province Collection Agency - Canada

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RE: Out of Province Collection Agency

Postby DebtFighter » Thu Mar 27, 2014 09:07:12 PM

Yes they can call....... only once.
Fighting debt collection: Knowledge is POWER! Disclaimer: I do not provide legal advice. I am affiliated with former debt collectors and only provide help to consumers who need assistance with debt collections. If you require legal advice, I recommend consulting a lawyer. I do not condone not paying debts on purpose and using strategies I provide to elude payment and responsibility.
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RE: Out of Province Collection Agency

Postby janis_fransices » Tue Oct 01, 2013 03:27:13 PM

question can a collection company call your boss and ask for the address and full company name cause they claim they are sending out a garnishment order One of my co workers is fighting a bill and she is worried cause some one called our boss asking for the full name and address of the company her name was not mentioned but if they are putting together a garnishment order wouldn't she get paper work and doesn't she get to have a court date before all this happens all she has gotten has been phone calls at home and 2 collection letters I told her you dont know who actually called it may be something totally different
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RE: Out of Province Collection Agency

Postby HanketyBlank » Fri Sep 20, 2013 09:46:56 PM

Alright, try Section 22(1) of Regulation 103/06

22. (1) If a debtor sends a collection agency or collector, by registered mail, a letter stating that the debtor disputes the debt and suggests that the matter be taken to court, the collection agency or collector shall not thereafter contact or attempt to contact the debtor, unless the debtor consents to or requests the contact.

Okay?
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RE: Out of Province Collection Agency

Postby TJ.brooks » Fri Sep 20, 2013 09:03:43 PM

That section assumes everyone has hired a lawyer to deal with it.
If you have not it has no effect.
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RE: Out of Province Collection Agency

Postby HanketyBlank » Fri Sep 20, 2013 09:00:20 PM

Yes, when collection agencies collect out of province they have to follow the rules that are applicable to their own province as well as those of the province they are collecting in.

If it's 7+ years old, then usually on debts that old, the agency only tries a couple of kicks at the can before giving up and moving on to the next guy on the list. But you can send them a registered letter instructing them to contact you only by mail in the future. Nonetheless, you might want to save the $10 because I'm sure they'll soon give up anyway.

Section 22(2) of Regulation 74 (The Collections Act of Ontario) states that:

(2) If a debtor or his or her lawyer sends a collection agency or collector, by registered mail, a letter requesting that the collection agency or collector communicate only with the debtor’s lawyer and setting out the lawyer’s address and telephone number, the collection agency or collector shall not thereafter contact or attempt to contact the debtor other than through the debtor’s lawyer, unless the debtor consents to or requests the contact. O. Reg. 103/06, s. 2.
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Out of Province Collection Agency

Postby ranzzzz » Fri Sep 20, 2013 08:07:16 PM

I thought I know the process fairly well but I have a question and really hope you guys can help me with that.

Recently I got harassed by Commercial Credit Adjusters which headquarter is at Manitoba for a 7+ year-old debt. I'm residing in Ontario and the debt was incurred in Ontario. I have no intention to pay it as it was already off my credit report and was way past the statute of limitations. I am wondering if I can send a cease and desist letter to their headquarter? Do they abide by Ontario Collection Agencies Act even though their headquarter is in Manitoba?

Thanks a lot!
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