Last reviewed in June 2022 by the Clicklaw Editors

If you're in debt and have fallen behind in your payments, there are laws to protect you from unreasonable collection practices.

Good starting points include:

• Dealing with Debt Collectors, from People's Law School, explains the basics of laws to protect debtors from unreasonable practices by collectors and collection agencies.
• Debt Collection and Debt Repayment Agents, from Consumer Protection BC, has information about your rights when dealing with a debt collector.
• Consumer Law and Credit/Debt Law, from the Legal Services Society, is a manual aimed at paralegals and legal information advocates whose clients face problems with consumer goods and services contracts or consumer credit contracts. A section called "Harassment" deals with collection of debts.
• LSLAP Manual: Creditors' Remedies and Debtors' Assistance, from the UBC Law Students Legal Advice Program, includes useful information on "Harassment by Debt Collectors" in the section "Introduction to Debtor's Options".

See our related common questions:

• I’m thinking about declaring bankruptcy
• I’ve missed a few mortgage payments and am facing foreclosure
• See all common questions about debt

tags

collection agent, debt collector, harassment, collection of debts, debt, debtors rights, debtor's rights & options