Stop Aggressive Debt Collectors In Their Tracks

There are very strict rules about what debt collectors in Ontario are allowed to do, but if you’ve ever had bills or debts go to collection, you know that not all debt collectors play fair.

These are just some of the rules debt collectors in Ontario have to follow:

  • They must send written notice by regular mail before contacting you, including the amount of money you owe
  • They may not contact you more than 3 times in a 7-day period
  • They must follow strict time constraints for contacting you, such as no contact between 9 p.m. and 7 a.m., or on Sunday except between 1 p.m. and 5 p.m.
  • They may not threaten or intimidate you, use profane language, or harass you

Debt collectors enter the picture when you’re overdue paying a debt.

Often it’s a credit card company or a large bill (for example, a dentist typically waits about 3 months before outsourcing a bill to a debt collector). Collectors are either hired to collect the debt on behalf of the company or business you owe or they may buy the debt outright. Even when collectors follow the rules, the letters and calls are stressful and disruptive to your family life and your career.

In one case recently handled at David Sklar & Associates debt collectors nearly jeopardized our client’s attempts to get back on track. In this case, Paul (not his real name) was earning $85,000 as a computer hardware engineer and supporting his wife and three children in Toronto when the company closed down.

Highly specialized and in an industry with a surplus of similarly-qualified professionals, it took Paul two years to find a new job, during which time the family borrowed heavily, even while Paul’s wife Nancy worked a part-time job. When Paul finally did get back to work, his credit card bills had gone into collection – and they started calling the office.

The calls were so frequent (the family had maxed out 6 different credit cards) that Paul worried they would affect his job performance and cost him his new job – until he filed for a consumer proposal.

If you find yourself in a similar situation, you can get relief by calling David Sklar & Associates. As soon as you file for a consumer proposal, collectors must stop contacting you. Long before a final agreement to settle your debts is made, you can get relief from collectors. Debt collectors can cause a lot of stress, but experts in consumer proposals can provide fast relief.

It’s not just relief from debt collectors that a consumer proposal offers. It will also put a stop to legal action against you such as a frozen bank account or wage garnishment.

When you’re insolvent, you will have to consider a consumer proposal vs bankruptcy but Licensed Insolvency Trustees can help you decide the best path to debt freedom. Much depends on your financial situation and the size of your debts.

Visit any David Sklar & Associates location for a free consultation. With our help, you can stop collection calls and find a way out of debt.

 

Take Your First Step Towards A Debt Free Life

If you are overwhelmed by debt and live in the Toronto area, call us at 416-498-9200 to book a FREE, confidential appointment. We will review your financial situation in detail and discuss all of your options with you. Alternatively, you can fill out the form below and our team will reach out to you. 

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Ready to live debt free?

The best decision I've made was to contact David Sklar & Associates, they are experts in this matters and also have dedicated Licensed Counsellors that provide the best customer support, like Rhoda Lewis, who I highly recommend. She worked tirelessly on my case, explaining ever detail to me willingly. She demonstrates a true interest in her clients. I appreciate how she patiently walked me through what to do, step by step. I now have control over my finances, as a result my life is much more peaceful and I can focus on what matters. Thank you!
Nilda H.
20:18 16 Jun 22
Very helpful and friendly! I am more than satisfied with my experience here. And more than happy with the outcome! Would definitely recommend .
Peggy Bulger
15:10 14 Jun 22
Jerry at David SKLAR helped me thoroughly understand my options and made me feel at ease. If you are looking at this type of service/help, I 100% recommend you give them a call.
Colleen H
12:50 14 Jun 22
Rhoda is a wonderful person, She help me and guided me throughout the process. I couldn’t do it without her support and expertise. Now I can start fresh and full of hope of a better life ahead of me.
ariezel erandio
21:33 06 Jun 22
The service I recieved from David Sklar and Associates was great. I was able to meet with Christin Sylver. She is kind, understanding and, professional. She was able to answer all the quesions that I had regarding my debt. At the end of our meetings, I felt that there is a heavy burden lifted from my shoulders. I recommend Chistine to anyone who is looking into debt relief.
Aliya H
12:11 04 Jun 22
Jerry is a very patient person, he answered all my questions and made this experience so smooth and easy for me. I was not sure what to expect but dealing with him made me feel so much better. He sure knows what he is doing and how to put people at ease for sure (should have done this long ago). I recommend him to anyone I am so glad I had him on my side and now to do my part. Thanks Jerry ur greatPattie
Patty Murphy
21:34 18 May 22
Rhoda Lewis helped me achieve a fresh start two and half years ago! She was very professional with a very warm, caring personality! I emailed her today with a question and she responded quickly. She's great at her chosen profession!!
Debbie Livingston
01:24 11 May 22
Nothing but good things to say about Jackie. She was so nice and so understand and everything was so quick and easy. In a matter of a week, there was the solution that I never thought was possible. Thank you so very much for everything that you have done. ❤️❤️❤️
Cassandra Keenan
21:05 10 May 22
I was in a lot of debt and stress, Jackie Stanley with David Sklar & Associates was very professional, and extremely helpful with getting out of debt. I should of did this sooner, they take the all the weight and stress of a persons shoulders, amazing team at David Sklar & Associates!!
Hubert Z
03:08 10 May 22
Jackie helped me out during a really tough time and she made the entire process very easy and painless. I highly recommend reaching out to her if you find yourself in any financial trouble. You won’t be disappointed!
prettylush 13
02:42 10 May 22
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