A collection agency is a company hired by
a creditor to obtain payment for a debt. Collectors acting for a creditor are bound
by the Collection Agencies Act (Ontario), and are restricted in how often and at which
times they can contact you. Sometimes, a collector has purchased the debt
outright, and is acting on its own behalf. If this is the case, the provincial legislation
does not apply to them (at least in Ontario). The best way to deal with a collection agency
is to make arrangements to pay what you owe, in full or in part. If you are unable to do
this, it is time to contact a non-profit credit counselling agency or a Trustee in Bankruptcy
for help.