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Each province has exact rules governing what collectors can and can not do.If you would like to know what applies to your province, please contact us directly by phone or email and we’d be happy to provide you with this information.Then the debt collector will try to collect the debt, up to the full amount, from you.In any case, the law does provide you with some protections against creditors or debt collection companies trying to collect money you may owe.The activities of debt collectors in Texas are regulated by the Texas Debt Collection Act.The Act prohibits the use of fraudulent and abusive collection tactics by individuals or corporations to obtain payment on outstanding debts against a debtor.In some provinces, if you ask creditors in writing to communicate with you in writing only, they must do so. and What to Do When Facing Reduced Income Consider all of your expenses; weekly, monthly, and seasonal.This will stop the majority of collection phone calls temporarily, but can affect how long a creditor may try to collect from you. Include all of your current sources of income including wages, disability assistance, social assistance, a family member’s or partner’s income, gifts, child tax credits / benefits, pensions, old age security, HST/GST refunds, etc. Include all of your spending – personal, living and household.

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We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education.Many debt relief agencies offer assistance with medical debt relief, tax debt relief, student loan debt relief, credit debt relief and payday loan debt relief, some debt settlement companies even offer Christian debt relief services.However, these debt relief companies are not perfect, overnight fixes.It can happen to anyone: you suffer a financial set-back like the loss of a job, and you are unable to make timely payments on a debt. Sometimes the creditor will refinance or otherwise modify the agreement to give you a chance to catch up. A consumer having difficulty paying a debt can contact the creditor, explain the circumstances, and offer to work out a payment plan.Often in life, debt can seem overwhelming; credit cards, late payments, medical bills and overdue accounts can add up.


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