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f you are dealing with a collection agency and feel they are violating the rules, contact the supervisor or manager of the agency and express your concerns. If the matter cannot be resolved, file a complaint with the NB department of consumer affairs.
Be sure to have the collector’s name, your file or reference number, and the dates and times of the calls.
A complaint can only be filed by the debtor. No third party complaints will be accepted.
You need to keep very detailed records of the dates and times the collector has called.
Demand her full name and employee number not just her first name
Write down the name and the phone number from where the call came from. Ask for their full company name and address for your complaint
Also keep notes on what was said. You do not need to record every word, just enough so that you can recall what was said to you. If she threatens to sue, or garnishee or to call your employer make a special note of that type of thing.
This information is absolutely critical to proving a collector violated the law in New Brunswick .
All collection agencies and the individuals who work as collectors must be licensed with the New Brunswick Financial and Consumer Services Commission
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Fredericton, New Brunswick E3B 5H8
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THREATS OF LEGAL ACTION
If the collection agency or what appears to be their legal staff make written or verbal threats of legal action, have a lawyer send you a `draft` statement of claim or use other shady tactics report them to the New Brunswick law society. However you should never trust a law society to actually help you.
If a collection agency discloses your personal information to a 3rd party or is incorrectly reporting something on your credit bureau, make sure to contact this department to discuss the matter.
You may ask collectors to only contact you in writing or through a lawyer.
This is not legal advice, it is information
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