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    evasivecomp's Avatar
    evasivecomp Posts: 1, Reputation: 1
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    #1

    Oct 4, 2008, 05:03 PM
    Collection Laws in Ontario
    I have just read that in America if you get harassing calls from collection agency's you simply send them a letter asking them to cease and desist and by law they have to. Is this true in Ontario, Canada? My debt is for a car lease.
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #2

    Oct 4, 2008, 05:13 PM

    Actually that's not entirely true. You can require that all contacts be only by mail. But if the debt is valid, you can't tell them to stop trying to collect it.

    I don't know if Canada has similar laws.
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
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    #3

    Oct 5, 2008, 08:05 AM
    Quote Originally Posted by evasivecomp View Post
    i have just read that in America if you get harassing calls from collection agency's you simply send them a letter asking them to cease and desist and by law they have to. is this true in Ontario, Canada? my debt is for a car lease.

    You are misunderstanding US Law.

    Canadian Law (as of May 2001) is:

    "No [collection agency] shall continue to communicate with a debtor:

    other than in writing, when the debtor has notified the [collection agency]in writing to communicate in writing only and has provided an address at which the debtor may be contacted;

    other than through the debtor's legal advisor when the debtor has notified the [collection agency] in writing to communicate only with the debtor's legal advisor and has provided an address for the legal advisor; or

    where the debtor has notified the creditor [and the collection agency] by registered mail that the debt is in dispute and that the debtor would like the creditor to take the matter to court.."
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