[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/rkillen.ca\/how-do-you-stop-collection-calls-in-toronto\/#BlogPosting","mainEntityOfPage":"https:\/\/rkillen.ca\/how-do-you-stop-collection-calls-in-toronto\/","headline":"Stop Collection Calls And Harassing Phone Calls In Toronto","name":"Stop Collection Calls And Harassing Phone Calls In Toronto","description":"Many Toronto residents often wonder \u201cHow can I stop collection calls?\u201d or “How do I stop harassing calls from debt collectors?” The fear of a ringing phone is one sign that you\u2019ve let your debt get out of control and now the collection agencies are after you. And they can become very aggressive. There are […]","datePublished":"2015-04-11","dateModified":"2024-04-16","author":{"@type":"Person","@id":"https:\/\/rkillen.ca\/author\/admin2\/#Person","name":"Ken Wells","url":"https:\/\/rkillen.ca\/author\/admin2\/","identifier":3,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f6be1449b6f6a56e5b6fba23f5d78646072e8e2cd2445f885a20774a82c1b125?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f6be1449b6f6a56e5b6fba23f5d78646072e8e2cd2445f885a20774a82c1b125?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Richard Killen and Associates","logo":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2015\/04\/Collection_Agency_Call1.jpg","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2015\/04\/Collection_Agency_Call1.jpg","height":1202,"width":1024},"url":"https:\/\/rkillen.ca\/how-do-you-stop-collection-calls-in-toronto\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=zKCFG5bjoNA#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=zKCFG5bjoNA","name":"Stop Collection Calls And Harassing Phone Calls In Toronto","description":"https:\/\/rkillen.ca\/how-do-you-stop-collection-calls-in-toronto\/ Many Toronto residents often wonder \u201cHow do I stop harassing phone calls from creditors?\u201d The fear of a ringing phone is one sign that you have let your debt get out of control and now the collection agencies are after you,\n\nRichard Killen discusses what to do and your options when debt collectors are calling.\n\nIf you are uneasy about bankruptcy you should definitely visit a licensed insolvency trustee so that you will be given advice about your bankruptcy problems.\n\nWe can meet with you during business hours or book after-hours appointments if that is more convenient.\n\nContact us for a fresh start 1 (888) 545-5365\nLive your life free of financial stress!\n\nFollow us on Instagram: https:\/\/www.instagram.com\/killen_trustee\/\nFollow us on Twitter: https:\/\/twitter.com\/Killen_Trustee\nFollow us on Facebook: https:\/\/www.facebook.com\/rkillenassociates\nFollow us on Linkedin: https:\/\/www.linkedin.com\/company\/richard-killen-&-associates\/\nConnect on Linkedin: https:\/\/www.linkedin.com\/in\/richard-killen-020aaaba\/\n\nRichard Killen and Associates have 10 locations across the Greater Toronto Area.\n\nOur main office is at\n\nRichard Killen & Associates\n2130 Lawrence Ave\nEast Suite 402, M1R 3A6\nTel: (416) 285-9511\nhttp:\/\/rkillen.ca","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/zKCFG5bjoNA\/default.jpg","https:\/\/i.ytimg.com\/vi\/zKCFG5bjoNA\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/zKCFG5bjoNA\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/zKCFG5bjoNA\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/zKCFG5bjoNA\/maxresdefault.jpg"],"uploadDate":"2017-11-07T09:50:53+00:00","duration":"PT1M35S","embedUrl":"https:\/\/www.youtube.com\/embed\/zKCFG5bjoNA","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCVqfGDwXy-OK5RHKZGkaMUw#Organization","url":"https:\/\/www.youtube.com\/channel\/UCVqfGDwXy-OK5RHKZGkaMUw","name":"Richard Killen & Associates Ltd","description":"Since 1992 we at Richard Killen & Associates have helped thousands of people resolve their financial problems. With over 22 years experience in this industry, our president, Richard Killen, and the rest of our team understand the difficulties that honest people can sometimes find themselves in. This expertise makes it possible to provide you with a service that effectively deals with the issues.\n\nThe strength of our company is exemplified by the manner in which we treat our customers. We understand the intense pressure people are under. You will feel better after having spoken with our staff and your sense of dignity will be restored. The relief most people feel is tangible.","logo":{"url":"https:\/\/yt3.ggpht.com\/ytc\/AIdro_nK1yzM56nIFCGmWO7scxw1pLTW2Z8LVLH_kg8kdbbfw5M=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=zKCFG5bjoNA#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=zKCFG5bjoNA#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=zKCFG5bjoNA&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=zKCFG5bjoNA#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":26}],{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=zKCFG5bjoNA#VideoObject_interactionStatistic_LikeAction","interactionType":{"@type":"LikeAction"},"userInteractionCount":1}]},"about":["Uncategorized"],"wordCount":735,"keywords":["collection agencies","debt collection agencies","debt collectors"],"articleBody":"Many Toronto residents often wonder \u201cHow can I stop collection calls?\u201d or “How do I stop harassing calls from debt collectors?” The fear of a ringing phone is one sign that you\u2019ve let your debt get out of control and now the collection agencies are after you. And they can become very aggressive. There are stories of collection agencies calling people into their homes at 3 am or even going after people who don\u2019t owe money.With economic downturns and the record amount of debt carried by Canadian families, many financial institutions, phone companies, and retailers have been less lenient about delinquent payments, fearing a great pinch in lean economic times. It\u2019s not surprising to hear that Ontario\u2019s Ministry of Consumer Surveys gets more complaints about collection agencies than any other business.Of course, an agency is allowed to contact you regarding the money you owe using reasonable means to get you to pay your debt. However, there are bounds on what they can do.For example, in Ontario a collection agency isn’t allowed to:Contact you on a Sunday, except between 1 and 5 p.m.Contact you any other day of the week between 9 p.m. and 7 a.m.Call more than three times in a seven-day periodContact you on a holidayUse threatening, profane, intimidating, or coercive languageUse undue, excessive, or unreasonable pressure or harass youCharge you any fees.When a collection agency calls, you do have the right to ask for their Ontario registration number; to see if they have sent your written notice with your creditor\u2019s name and the amount of money owed, and to find out how often they intend to be contacting you.If you do actually owe the money, and a mistake hasn’t been made, the best course is to repay it in full as quickly as possible. But if that\u2019s not possible, to stop collection calls you can try explaining this to the debt collector and offering an alternate method of repayment, such as a series of monthly payments that go on until your debt is cleared.If you do come to this kind of agreement, make sure you follow up in writing before you pay anything. And when repaying the money, don\u2019t send cash, and make sure you get a receipt. You want to have concrete proof that you have an agreement and that payments have been made, in case of things later wind up in court.Also, if you are satisfied the agency is legitimate it\u2019s probably wise to deal with the collection agency itself rather than going back to the original creditor. This might just cause confusion unless there has been a mistake made in your account.If you think you are being mistreated by a collection agency, you or your lawyer could try sending a letter to its head office. Or if you believe they are breaking the law, you could also complain to the provincial regulator. It would be wise to take notes during agency contacts so you can make a coherent case for wrongdoing.Debt Collectors Are Calling?Watch this video on YouTubeOf course, sometimes despite your best efforts, you can\u2019t get the phone calls to stop, perhaps because your finances have come to the point where you can\u2019t settle the debt in any reasonable amount of time.The first step is to look for a Licensed Insolvency Trustee. They are professionals in dealing with harassing phone calls. There are options available to you to immediately cease these annoying calls. They can also advise you on what to do to pay your debts effectively and conveniently so that you can be free from your financial burden.But this does not mean that you have run out of options. In most instances, fighting a collection agency with the help of a trustee is the best thing to do. Come into Richard Killen & Associates for a free consultation to find out what you can do to finally silence the ringing. In fact, it might be a good idea not to wait until you hit a dead-end to consult with a licensed insolvency trustee.If you are ready to stop collection agency calls and harassing phone calls in Ontario it may be time to contact our office for debt relief options and reduce the stress associated with these calls."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Stop Collection Calls And Harassing Phone Calls In Toronto","item":"https:\/\/rkillen.ca\/how-do-you-stop-collection-calls-in-toronto\/#breadcrumbitem"}]}]