How should I handle creditor calls and harassment?

Creditors do have certain rights to collect upon their debts; however you need to know you have rights too.

  • A creditor is allowed to call to enquire about their debts and request a payment plan. They are however restricted on what they can say, how they act, when and where they call. For more information please review your provinces collection agency act or contact us to discuss your options.
  • Once an individual has filed for protection under the bankruptcy and insolvency act, a stay of proceedings is put into effect to stop all legal and collection proceedings including harassment.
  • All calls received after filing a proposal or bankruptcy should be referred to your trustee.
  • Should creditors continue to call. you should contact your trustee and provide them with the name and number of the creditors calling so the trustee can contact the creditor to have the calls stopped.