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Complaints About Collection Agents and Other Issues


Bankruptcy is a complicated process, involving you (the debtor), your creditors, the trustee, and the government. The rights of each party must be protected. If you believe you have grounds for any complaints you must take steps to protect your rights. Keep careful records, including records of phone calls, and contact the relevant agency.

Complaints about collection agents

Creditors and collection agents are often perceived to harass and cause undue stress to the debtors. Regulations differ from province to province, but in general collection agencies are not permitted to harass debtors. Harassment consists of frequent threatening calls. Collection agencies are only permitted to call you at certain times of day. Learn more about Ontario Collection Agencies.

If you are being harassed by a collection agency, your trustee will be able to help with the rules your courses of action. If you are not yet in contact with a trustee, in Ontario, complaints should be made to the Ontario Government at the: Ministry of Government and Consumer Services.

Complaints about student loan issues

Student loans are managed by the federal and provincial government. If your student loan has been sent to the Canada Revenue Agency for collection, you must discuss repayment options as your student loan might not be erased in a bankruptcy. Go to the National Student Loan Service Centre for help or complaints.

Complaints about government programs

Complaints about student loans or other government programs can be made to your provincial ombudsman. In Ontario, go to Ombudsman Ontario for complaints about Ontario government services. Complaints can also be made to your elected representative.

Complaints about trustees

The Office of the Superintendent of Bankruptcy (OSB) supervises bankruptcies in Canada. All records are maintained by the OSB.

Trustees, who administer consumer proposals and bankruptcies, are licensed by the OSB. Trustees protect the rights of creditors, but also ensure that your rights are not being abused. If you feel that your rights are not being respected, you can make a complaint about your trustee.

Complaints about trustees can be directed to the Office of the Superintendent of Bankruptcy (OSB).