A Money Coach in Canada

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Three different people taking my online money coaching program have contacted me recently about creditors who were hounding them, including two who were receiving calls at work.

Here’s one of the emails I received:

Credit cards and debt collection – is there a law stating how many times they can call you in a day? [credit card collections] has been calling me 4-8 times a day for 2 weeks starting at 7:30am! Last week I wasn’t able to answer my phone (mechanical failiure) but this week I can and I just asked to speak to a supervisor, who was of course out of his office.
Any suggestions? I’ve complained to them about this before.

I recognize that I am in arrears with my account, but does that give them the right to basically harass me? Any links / tips would be helpful. thx.

The answer is “NO!  Creditors cannot hound you like that”.  Most Canadian jurisdictions have laws regarding how creditors must operate.

Before proceeding with the resources below, it must be said:   If you are in a situation financially where creditors are hounding you, you need the help of my business.  Listen to this (my story) and take it from there.

In 2003, the Ministers Responsible for Consumer Affairs all across Canada agreed together to work towards legislating limitations on Collection Agencies in their respective jurisdictions.

BC.  According to the Canadian Bar Association of BC creditors can only attempt to call your employer to verify your employment.  They can call you at work once, only if they cannot reach you at home.  In addition, if you request in writing that they contact you only in writing, they must do so.

Alberta:  This legislation (scroll down on the page) applies to collections agencies (as opposed to businesses collecting money you owe)

Saskatchewan:  Collections agencies cannot call you earlier than 8am, after 6pm, or on Sundays or holidays.  There is further protection from harassment

Manitoba: Scroll down to Section 98 for the limits on collections calls.

Ontario:  They can only contact you three times (including leaving voicemail) within a seven day period.  Further information is here.

Quebec:  The legislation isn’t as specific but it provides some parameters

Newfoundland/Labrador:  Scroll down to Section 12

PEI: doesn’t allow them to contact your place of employment at all (see Section 5)

New Brunswick:  has robust regulations.  Scroll down to Section 14.

Nova Scotia:  see Section 20

Territories – sorry – it wasn’t easy to find legislation!  Worst case scenario, contact your MLA.

About the Author


Imagine if Canadians were known for being all over their money. Engaged. Proactive. Getting out of debt. Savvy. Saving. Generous. Nancy wants to help. Nancy started her own journey with money over 15 years ago, and formed her company “Your Money by Design” in 2004 to help others along the same path. It’s not the usual financial advising/investment stuff. It’s about taking control of day-to-day finances –managing monthly cashflow effectively, spending appropriately, getting out of debt, saving. If you're ready to take control over your finances, pop by her business site, YourMoneybyDesign.com

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