Stop Aggressive Debt Collectors In Their Tracks

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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, call us at 1-844-962-9200 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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Christine Sylver was very helpful to my situation. No question asked, she went above and beyond just to give me the options that I need to solve my problems. She explained and made me understand my options. Thank you Christine! Everything was done in a week. Regards, to Richard Sklar for explaining everything further to me. 😊
Kris
1685201109
I was blown away by how kind and empathetic Christine and David were. I came into the process expecting to feel embarrassed, but they were so helpful and unquestionably supportive, they made the whole experience a positive thing. On top of that, Christine found a solution for me that was better than I ever could have imagined. I highly recommend Christine, David, and colleagues to anyone.
Mary M
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Christine Sylver has been very efficient in working with me in all aspects toward developing a very favourable consumer proposal which meets my financial budgeting very nicely. She also exhibited a very positive pro client attitude and was every pleasant to communicate with. Richard Sklar also demonstrated a very positive pro client attitude in explaining in detail all aspects. All great!!
Rob Hultgren
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Dealing with Christine was a real pleasure.She was very understanding professional and knowledgeable she answered all my questions.I left feeling relieved a big burden was lifted from my shoulders
John Horan
1683830383
Very happy I got in touch with Jackie! She has been a great help and a pleasure to work with! I highly recommend Jackie if you need help getting out of financial debt.
Hailey Cascagnette
1683647325
I had the pleasure of working with Jackie and she made the experience very easy and was very honest which I appreciated as I was extremely nervous to go through with the process. Any questions or concerns I've had after our meetings were answered no problems and although it's been a few weeks I can honestly say I've never felt so stress-free. Very thankful for Jackie.
Cassandra Arevalo
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Very considerate of how people can sometimes make mistakes and need help to get things back on track. Great team of people. Thanks to Jacqueline for all her help.
Kevin Chase
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My mother told me about this firm because they helped resolve her situation nearly 25 years ago. I had the pleasure of working with Christine Sylver. I should’ve done this years ago but I am where I am and it is what it is. Extremely courteous, professional and understanding. I hope to never need their services again but they would be my first call! A+
Patrick Martel
1683324165
Jerry was extremely thorough and ensured that as a client, I understood all of my options and their repercussions. He offered his professional advice best suited for my situation and he is amazing at his work. Thank you Jerry! :)
Stephanie Belanger
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Great experience with Jerry and staff. Thank you.
Harold Hutchings
1682737038
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