What New Brunswick Collection Agencies and the Bill Collectors Who Work for Them Cannot Do When Contacting You
Debt recovery or collection agencies cannot threaten to start legal action to collect a debt without first notifying you and receiving the creditor’s approval to sue you.
They cannot collect more money than you owe your creditor regardless of any costs the collection vultures have incurred.
They cannot call you collect or in any way that costs you money (such as collect phone calls or in some cases, calls to cellphones)
They cannot contact your employer, friends, family or neighbours unless they have guaranteed or co-signed the loan they are trying to collect or unless they are looking for your address.
They cannot telephone you at work
They cannot discuss your debt with anyone else unless they have your permission (they may request you provide written permission,) If you do agree, send them written conditions about what they may say and with whom they may discuss your file. This will protect you if they violate the law.
They cannot bully, threaten, harass or intimidate you or use abusive language
They cannot communicate with you without fully identifying themselves, the name of the collection agency, the name of the company they are collecting for and the amount owed,
They cannot call so often that you or your family feels harassed
They cannot call before 7am or after 9pm Monday through Saturday
They cannot call before 1pm or after 5pm on Sunday
They cannot call you on a statutory holiday
They cannot collect from you at your place of employment
They cannot garnish your wages
You may ask collectors to only contact you in writing or through a lawyer