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Collection Calls and You in Canada

If you’ve been receiving calls from collection agencies, you’re not alone. Millions of people find themselves in similar situations, dealing with the stress and anxiety of overdue debts. However, it’s essential to know your rights when it comes to dealing with collection agencies and explore alternatives to bankruptcy or consumer proposals. In this article, we’ll dive into the world of collection agencies, your consumer rights, and how Credit Dispute’s debt settlement service can be a lifeline in times of financial distress.

Understanding Collection Agencies

Collection agencies are third-party organizations that creditors hire to recover outstanding debts from individuals who have fallen behind on payments. These agencies can be persistent and, at times, even intimidating in their pursuit of debt collection. However, it’s essential to remember that you have rights when dealing with them.

Know Your Consumer Rights

When dealing with collection agencies, it’s crucial to be aware of your consumer rights. Here are some key rights you should know:

  1. Verification of Debt: You have the right to request written verification of the debt within five days of initial contact. This verification should include details about the creditor and the amount owed.
  2. No Harassment: Collection agencies are prohibited from engaging in harassment, threats, or intimidation. They cannot call you excessively, use obscene language, or threaten legal actions they don’t intend to take.
  3. Time Limitations: There is a statute of limitations on debt collection, which varies by jurisdiction. Once this period has passed, the debt becomes uncollectible.
  4. Dispute the Debt: If you believe that the debt is inaccurate or you don’t owe it, you have the right to dispute it. The collection agency must provide evidence to support the validity of the debt.
  5. Cease and Desist: You can request that the collection agency cease further communication with you. However, this won’t make the debt disappear, and the agency can still take legal action.

Debt Settlement as an Alternative

Dealing with collection agencies can be overwhelming, but there are alternatives to consider before resorting to bankruptcy or consumer proposals. One such alternative is debt settlement, and Credit Dispute offers a comprehensive debt settlement service that could be the solution you’re looking for.

Debt settlement involves negotiating with creditors or collection agencies to reduce the total amount of debt you owe. Instead of paying the full debt, you agree to pay a lower, negotiated sum to settle the account. This approach can help you:

  • Avoid Bankruptcy: Bankruptcy can have severe and long-lasting effects on your credit score and financial future. Debt settlement offers a way to resolve your debts without declaring bankruptcy.
  • Protect Your Assets: With debt settlement, you can protect your assets from being seized by creditors, which is a risk in bankruptcy.
  • Regain Financial Control: Debt settlement allows you to regain control of your finances by eliminating or reducing your outstanding debts.
  • Rebuild Your Credit: While debt settlement may temporarily impact your credit score, it provides an opportunity to rebuild your credit once your debts are resolved.

How Credit Dispute Can Help

At Credit Dispute, we understand that dealing with collection agencies can be challenging, and that’s why we offer a professional debt settlement service. Our team of experts is dedicated to helping you navigate the complex world of debt collection.

Here’s how our debt settlement service works:

  1. Assessment: We start by assessing your financial situation and evaluating your debts.
  2. Negotiation: Our experienced negotiators will work on your behalf to reach agreements with your creditors or collection agencies to reduce your debts.
  3. Payment Plan: Once an agreement is reached, we’ll help you set up a manageable payment plan based on your budget.
  4. Debt Resolution: As you make payments, we’ll work diligently to resolve your debts, helping you achieve financial freedom.

Don’t let collection agencies dictate your financial future. Take control of your debts with Credit Dispute’s debt settlement service. By choosing us, you can avoid the pitfalls of bankruptcy and consumer proposals while safeguarding your rights as a consumer.

Ready to get started on your path to financial recovery? Apply online for Credit Dispute’s debt settlement service now:

Apply for Debt Settlement


Dealing with collection agencies can be stressful, but it’s essential to remember that you have rights as a consumer. Understanding these rights is the first step in managing your debts effectively. Debt settlement, offered by Credit Dispute, is a viable alternative to bankruptcy or consumer proposals, providing a path towards financial freedom. Take charge of your financial future today and explore the options available to you. Don’t let debt control your life; regain control with Credit Dispute’s debt settlement service.