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(There will be minor variations from province to province,
but in general these rules will apply for your area)
Your rights if any. This is not legal advice. For legal advice Click here consult the excellent lawyers on CanLaw. Most offer a free half hour consultation.
Eventually you will have to settle with your creditors
if you ever want to rent an apartment, get a credit card, a mortgage, lease, car or anything else bought on credit.
A bill collector or collection agency is not required to tell you what your rights are. It is up to you to find that out for yourself.
This is not legal advice, it is information
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