What Rights do Collection Agencies Have?
• A collection agency or collector can collect only the money owed and no additional money. • A collection agency or collector cannot charge a telephone call to you when the call is to demand money. • A collection agency or collector cannot include your spouse in any action about repayment when it is clear your spouse is not liable for such a debt. • A collection agency or collector, when talking with you or contacting you through the mail can use only their proper business name. • A collection agency or collector can only make an enquiry through you when demanding payment of a debt. • A collection agency or collector cannot use offensive language, threats of loss of work, or threaten to inform your neighbours, friends and co-workers when conducting enquiries about a debt owed. • A collection agency or collector cannot threaten to embarrass you in any way or intrude upon the privacy of your home and family. Personal and phone contacts can only be made between 9:00 am and 9:00 pm. Where
