100+ Canadians Choose Us Weekly – 1000+ All 5-Star Reviews – Read real stories here

Learn how to reduce your debt by 50-80% within 5-7 days

Free Debt Consolidation

No contact details required to find out if you qualify

Free Savings Estimate

Get Started

How it Works

Know More

Debt Relief Options

See Your Options

How To Deal With Debt Collection Agencies In Canada 2023

In Canada, there are laws that govern how a debt collection process should be fairly performed. In this article we’ll summarize the process that you, as a debtor, can expect if you live in Canada and know your rights while dealing with a debt collection agency.

Know more about us and what we can do by clicking on the button below…

You're not alone

Helped with $ 27,000 $ 41,500 $ 35,000 $ 17,000 $ 23,500 $ 46,340 $ 21,000 $ 35,000 $ 26,700 $ 65,500 $ 57,400 $ 17,500 $ 75,500 $ 63,000 $ 35,000 $ 18,500 $ 55,000 $ 85,500 $ 43,000 $ 29,500 $ 27,800 $ 41,200 $ 35,800 $ 85,000 in debt

1 day 3 days 3 days 8 days 7 days 6 days 12 days 9 days 3 days 6 days 1 day 4 days 2 days 1 day 7 days 5 days 8 days 6 days 12 days 16 days 5 days 8 days 2 days 7 days ago in debt in

Orillia Huntsville Peterborough Toronto Brampton Kitchener Mississauga Hamilton Belleville Kingston Cornwall Oshawa Ajax St. Catharines London Sarnia Windsor Sault Ste. Marie Elliot Lake Sudbury North Bay Timmins Thunder Bay Ottawa

In Canada, there are laws that govern how a debt collection process should be fairly performed. In this article, we’ll summarize the process that you, as a debtor, can expect if you live in Canada and know your rights while dealing with a debt collection agency.

Debt Collection

Before we go through the debt collection process, you must first know your rights when dealing with a collection agency. Before a lending institution writes off your account records, they will try to collect as much money as possible. They often use a collections agency to do the work for them.

After you sign our debt relief program and we have saved you up to 75% of the original amount, there are 3 other benefits you will enjoy, we send out a legal letter to all your creditors, and it becomes ILLEGAL for them to contact you via phone, SMS, or email and try to collect money that you have already settled. Leave your debt to us, and continue your life. We will make your life stress-free, and you will sleep better.

THIS IS A GOVERNMENT APPROVED PROCESS that will stop debt collectors immediately!

Know Your Rights When Dealing with Collection Agencies

Below are some of the actions collection agencies can undertake to attempt to collect payment from you. It is best to understand the steps they follow when collecting money from you so you don’t get overwhelmed.

Learn more information about your rights as a debtor when dealing with collection agencies, read on.

Debt Collection Agencies

Written Notice

Before a Collection Agency gets in contact with you to demand payment, they will send you a notice by mail or email. The letter you will receive will contain information such as the name of the collection agency and the lending institution you owe money from, the details of your debt (amount, type of product you owe), and a message stating the authority given to the agency to demand payment of your debt.

Read this document to know more about your rights in case there are discrepancies with the information provided in the letter.


Initial Contact

After 6 calendar days from the date the letter was sent, the collection agency will contact you to attempt to collect payment. You can expect 3 maximum number of collection calls within 7 days. They cannot contact you more than 3 times unless there is an agreement between you and the agency to discuss payment options.

In any case that you have not received the written notice, you must immediately inform the collection agency on the first interaction. Below are the actions a collection agency can and can’t do, know your rights below:


Collection Agencies Dos and Don’ts, When Attempting to Collect Payment

  • Collection agencies are only allowed to contact you from 7 a.m. to 9 p.m. (Monday to Saturday).
  • On Sunday, they can only contact you between 1 p.m. to 5 p.m.
  • They should not contact you during the Holidays.
  • They are not allowed to intimidate you by using profane, threatening language.
  • Not allowed to force you to pay.
  • Now allowed to provide false information to mislead you.
  • They cannot continue to contact you if you are disputing a debt, and the matter has to be brought to court.
  • If an agency employs 10 or more collectors, they can record every single phone call.
Debt Consolidation

Will My Employer Be Contacted?

It happens when your employer has guaranteed to pay the debt, and the purpose of the contact is about that guarantee. This also happens if you have permitted to allow the agency to contact your employer. They can also contact your employer to confirm your employment; this usually includes your Job Title and the address of the company you work for.

If you have a wage garnishment or an automatic salary deduction, this can also be a reason the Collection Agency might contact your employer.

Can Collection Agency Contact my Family or Friends?

Parts of your rights when dealing with collection agencies is your privacy. However, it is possible if the person being contacted has guaranteed to pay the debt or if the reason for the call is about the guarantee.

If you can’t be contacted by the agency, they may attempt to contact someone related to you to gain information about you and your contact details.

Paying Your Debt Through a Collection Agency

If you can afford to pay your debt in full at once, you must do so. This is the easiest way to stop the collector from bothering you. However, in most cases, debtors can’t pay the amount in full, or sometimes they require more time to pay. In this situation, you may ask for a payment arrangement with the collection agency to pay the debt in installments.

Legal Action

Collection Agencies will notify you first before they can send a recommendation to your Creditor to take legal action if you fail to adhere to the payment arrangements set by them.

Once the lending institution you owe money from has taken legal action against you, a collection agency must stop contacting you unless you consent or request them to do so. You may also hire a lawyer to communicate with the collection agency on your behalf.

Our Clients 5-Star Reviews

Fredelyn Servito
Fredelyn Servito
Read More
Suma is a fantastic agent. She helps me when I needed the most and she always update me on the situation and she always put her custom first.
Robert Smith
Robert Smith
Read More
Kelly M So professional understanding and help me through the process thanks again
Margaret Pietersma
Margaret Pietersma
Read More
Being able to make the payments under your control. Joe Hajdasz is very friendly and helpful

Top 5 Key Benefits of our Ontario Debt Relief Program:

To know more what you can benefit from our Ontario Debt Relief Program, simply try our Debt Consolidation Calculator below and one of our debt specialists will get in touch with you and provide you the best debt relief option that fits your situation.

Do you want to experience Peace of Mind from all of these?

  • Credit Card Debts
  • Personal Loans
  • Car Loans
  • Taxes
  • HST
  • 407
  • Household Bills
  • Payday Loans
  • Student Loan
  • and more…

Talk to us! We will help you get out of debt.

We will help you reduce as much as 75% of your debts and consolidate it into a single affordable monthly payment. Your creditors will stop harassing you and all interest will freeze if you get into our Ontario Government Debt Relief Program.

Many Ontarians are already benefiting from our Debt Relief Program, YOU should too!

Find out how much you can write off portion of your debts by getting your Free Savings Estimate below. A debt specialist from National Debt Relief Services in Ontario will discuss all options and provide you tailor-fitted Debt Relief Program.

We will help you compare
the options and savings of all formal debt relief programs available to you.


No contact details required to find out if you qualify

Frequently Asked Questions

A Debt Consolidation is a negotiated debt settlement offer made between you and your creditors with the help of a Debt Relief Agency in Ontario. Some key benefits of Debt Consolidation are interest-free program, no upfront fee required, combined monthly payment into one affordable amount, no lawsuits, and many more.

Yes, your assets are safe from creditors. A licensed debt relief agency in Ontario will help you come up with an offer to your creditors that will make sure your assets will be out of the paper.

No, in fact, this is one of the great advantages of a Debt Consolidation Program. All wage garnishment will stop from the day you filed the proposal.

The effect on your credit score is not going to be severe. Your credit score will most probably go to R7 Rating and will remain in your credit report for another 3 years after you completed the program. This means that it will not be permanent and you will still be able to rebuild your credit score.


This varies depending on the proposal you will be discussing with the help of a certified debt relief agency. It is also worth noting that debt consolidation cannot exceed more than 5 years.

If a debt is shared, you need to file a joint debt consolidation offer to your creditors. However, in most cases, in which the debts are individually incurred will have no impact on your spouse.

After three missed payments, your debt arrangement with creditors will be broken and you will end up getting chased again for the original debt amount plus interest.

A debt consolidation offer can be paid off earlier if you can. In this way, you receive your “Certificate of Completion” sooner and you can immediately start rebuilding your credit score. 

National Debt Relief Services Ontariois a certified Canadian Debt Relief Agency that offers FREE CONSULTATION to your debt consolidation needs. We value the trust given to us by our clients by making sure your personal information is confidential and private. Our personalized plans are designed to tailor fit your financial capacity. Our specialists will get in touch with you by simply answering a few questions thru the link provided below.

Why Trust National Debt Relief Services?

Debt relief program's accreditation logos
Council for Economic Education

Proud to support financial literacy education

See What Our Customers Have To Say

Dawn Friesman
Dawn Friesman
I've been working with Allicia Macdonald shes very professional and sweet. I cant thank her enough for helping me rebuild my life. Thank you so much.
Chantal Rolfe
Chantal Rolfe
Today I had a wonderful experience with Rachael, she was Very professional I was very happy with what we talked about today she was very Caring I highly recommend national debt relief services hundred percent😃
Jennifer Magill
Jennifer Magill
Brittany was awesome, she explained everything clearly and offered solutions every step of the way. It’s always nice to hear that you could do this or that, I didn’t feel forced to do anything and was able to decide clearly. Thank you 🙏🏼
Dave Tonnos
Dave Tonnos
This company will work with you and through any difficulties that may arise. They actually hold themselves accountable, how refreshing during troubling economic times.
marian kamara
marian kamara
I have a great experience working with Suma, she work me through the program, takes her time to explain everything to me about how the program work, what I need to do from start to end of the process. I’m so thankful to God for sending an angel Suma to help relief my debt. It’s a great company to work with. I will recommend this program for anyone in debt like me.
Donna Hutchings
Donna Hutchings
Connie B. was absolutely awesome! She explained everything in detail to me. Very professional to work with and takes the time with you. She really has compassion. So glad she helped me out. Thank you
lynn collins
lynn collins
Joel has made this so simple and effortless he made sure i was well informed and making the right decisions for my situation i would recommend joel at national dept Relief to anyone in hardship with there bills thanks alot joel i really appreciate everything you have done for me thanks!! 5 stars for sure! and its chad ball not my mom lynn lol
Billy Bong
Billy Bong
I had a great experience with Brittany, so helpful and understanding. Never felt like I was being pressured or rushed into anything. She was always there with answers to my questions. Thanks for all the help and peace of mind you helped me achieve.
Amber-lyn Miller
Amber-lyn Miller
Let’s Just Put It Simple....... Not All Hero's Wear Caps........I spoke with Suma over a fairly lengthy period of time because of my busy schedule and lack of free time on my part, and she was not only extremely patient and understanding, but also beyond helpful And informative. Any question I had and no matter how many times she had to explain it to me she took her time to make sure I completely understood every single step and process before she moved on to the next thing. I have been so stressed out and worked up about my debt and trying to figure out how to fix it all since I know I will not be returning to work at all in the future because of medical issues and being 26 with that realization makes things just that more stressful but Suma made everything so easy and my payments are $100 a month for less then 5 years with no interest or penalties for early pay off. I’m so glad that I didn’t settle with some other place that was asking for $350 + a month for 7-12 years and paying off early would cost you more.
Jessica Preston
Jessica Preston
Caroline F. was phenomenal, she was so helpful, understanding and compassionate. Caroline did not make me feel bad for my mistakes, she was supportive and caring, she helped me through this dark time in my life I'm so incredibly happy I crossed paths with her. Thank you Caroline for being so wonderful to me! <3

We Help Over 200+ Ontario Clients Per Day

We're here to help you consolidate your debt.

Get a free savings estimate today. There is no obligation.