What to do if a collection agency contacts you in Ontario
Basic collector-conduct rights.
Learning Centre
Collection Agencies
Debt-collection conduct and the statutes that limit it. Official statutes for this area are in the library — open collection-agencies-your-rights.
Debt and limitation periods at a high level
Why age of a debt can matter. Not a calculation of your file.
A court judgment versus an unpaid bill
Why those are not the same thing.
How to respond to a collection call in Ontario
What to say, what to write down, and what a collector cannot do.
When a collector can start a court claim
A call is not a judgment. A claim is a different document.