What to do next
Request written validation
Ask in writing for the amount, the original creditor, and the basis of the debt. Agencies frequently pursue debts with incomplete records, and validation sometimes ends the matter.
Check whether the limitation period has expired
Debts become unenforceable in court after the provincial limitation period. Critically, making a payment or acknowledging the debt in writing can restart the clock — so never do either before checking the date of last activity.
Assert the conduct rules
Complain in writing to the agency and then to the provincial consumer protection regulator for calls outside permitted hours, contact with your employer or family about the debt, threats, or misrepresentation of legal consequences.
Get advice before agreeing to anything
Settlements should be in writing, state that the amount fully resolves the debt, and require deletion of the collection item where possible. Verbal arrangements are routinely disputed.
Frequently asked questions
Can they call my employer?
Generally only to confirm employment or locate you — not to discuss the debt. Disclosing your debt to an employer or family member is prohibited in most provinces.
Can an old debt be enforced?
Not in court after the provincial limitation period expires, though an agency may still ask. Do not pay or acknowledge it in writing without advice — that can revive it.
Should I make a small payment to show good faith?
Not before checking the limitation date. A payment can restart the clock on an otherwise unenforceable debt.
Can they garnish my wages?
Not without a court judgment first, except for specific debts like support and taxes. If garnishment appears without a judgment, get advice immediately.
This is general information, not legal advice. Laws vary by location and every situation is different — speak with a qualified lawyer about your specific circumstances.