Info On Credit Card Regulations
Q: Cna anyone provide me with information regarding credit/collection companies
responsibilties regarding harrasment and contact restrictions. My younger
sister has been getting deluged with calls at work and at home regarding an
overdue balance (she had recently become unemployed from a good paying job
and now works near minimum wage while supporting a young child). Though she
has explained to the company numerous times that she has no money, they
repeatedly call at her place of work and home demanding to know when payment
will be made. References to related websites would be most appreciated :)
A:Collection agencies have also knowingly entered into an agreement with the
government to behave and
not behave in certain ways. I'm not about to make a judgement of what this
particular company is doing or if they are breaking the law. However she is
entitled to know how she may/may not deal with them and how they may or may
not deal with her - regardless of the fact that she entered into the debt
knowling full well she would have to pay in a timely manner.
To the original poster, try:
http://www.qp.gov.ab.ca/Documents/REGS/1999_194.CFM
and more generally
http://www3.gov.ab.ca/gs/services/business/collection_agency.cfm (look under
'legislation"). General advice I see on pretty much any legal site: log ALL
calls, don't tell them anything if you feel you are going to mount a case
against them and most law firms will give a free consultation.
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