How to get out of collections without paying?

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Tired of those relentless calls over a $50 debt? Here’s a game plan: Send a letter to the collection agency requesting that communication be in writing only. Validate the debt by asking for details from the original creditor. If proof is missing or beyond the statute of limitations, you’re off the hook! Keep these tips handy to tackle pesky debt collection. Reach out via phone, text, or live chat if you have any questions.

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_{Stop debt collection calls with these smart strategies.}

Get Out Of Collections Without Paying Question

How to get out of collections without paying? A collector called me about a $50 debt, but I don’t have the money now—can I stop the calls without paying right away, and how would that work?

From: Anonymous Question
Location: Regina, Saskatchewan (SK)
Category: debt settlement

Get Out Of Collections Without Paying Answer

If you’re tired of those pesky calls over a $50 debt in Canada and don’t want to pay up, here’s what you can do. Start by firing off a letter to the collection agency, politely asking them to contact you only in writing. This nifty move is totally backed by consumer protection laws and can make those annoying calls a thing of the past. While you’re at it, make sure to double-check if this debt is the real deal. Request details about the original creditor, the amount you supposedly owe, and proof that they actually have the right to pester you for this money. No proof? No problem. The debt might just vanish into thin air. Also, keep the statute of limitations in your back pocket; in most places like Ontario, you’re only on the hook for two years or so. If you’ve hit that timeout, kindly let the collector know it’s old news—and those calls should quiet down.

From: Insider Adam

Office of the Superintendent of Bankruptcy (OSB) Answer

To stop collection calls without paying the debt right away, you can invoke your rights under the applicable consumer protection laws. Specifically, under the Bankruptcy and Insolvency Act (RSC 1985, c 11), you have the option to challenge the validity of the debt or request verification of the debt owed.

If the collector calls persist, you can formally dispute the debt by requesting a debt validation notice, which requires them to provide evidence that you owe the amount they’re claiming. Additionally, you can refer to the Collections Act regulations, particularly in the Consumer Protection Act, where you have the right to request that all communication cease until the matter is resolved.

Make sure to document all communication and clearly state your request in writing, sending it via certified mail to ensure receipt. This process will help you manage the situation without immediate payment.

From: OSB Helper

Related Questions to How To Get Out Of Collections Without Paying

Here are the top 5 most frequently asked questions related to getting out of collections without paying, based on common concerns and trends in Canada:

1. Can I ignore debt collectors and make the debt go away?

• No, ignoring debt collectors can lead to severe consequences such as legal action, wage garnishment, and damage to your credit score[4].

2. Are there certain times of the day debt collectors can contact me?

• Yes, debt collectors are restricted to specific times when they can contact you, such as 7 AM–9 PM Monday–Saturday and 1 PM–5 PM on Sunday in Ontario[4][5].

3. Can a debt collector charge me fees?

• No, debt collection agencies cannot charge you any fees[2].

4. What should I do if a debt collector contacts me about a debt that isn’t mine?

• You should inform the debt collector that the debt is not yours and request proof of the debt; if necessary, file a complaint with the relevant consumer protection agency[3].

5. Can I negotiate a payment plan with debt collectors?

• Yes, most creditors will accept a regular and consistent payment arrangement if you are unable to pay the debt in full[4].

If you have a question about debt see our debt questions or ask your own debt related question.

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