Know Your Rights and Responsibilities - Consumer Credit Counseling Can Help
Money and debt problems are stressful, and until they are resolved they can take a real toll on a person's life. The first thing to realize is that help is only a phone call away - and making that call can make all the difference in the world! Consumer credit counseling can help get your life back on track. Talk to a counselor today!
No Matter What You Owe - You Have Rights
- You have the right to be treated in a fair and reasonable manner. Provincial legislation guarantees this right, outlining strict and respectful collection and communication practices that creditors and debt collection agencies must follow.
- Creditors and debt collectors cannot disclose confidential information about you without your consent. They have a legal responsibility to protect your privacy.
- You have the right to request proof that confirms a debt is legally owed, and in the case of a dispute, you're within your rights to request a statement to provide proof of any outstanding balance.
You Also Have Responsibilities
- Keep yourself well informed about fair collection practices while also taking the necessary steps toward living within a realistic personal and household budget.
- Be upfront with collectors and take the time and opportunity to explain your situation. Creditors are much more likely to work with you if you're upfront.
- Deal with creditors and debt collectors in a respectful and forthright manner - and never make commitments you know you cannot keep.
If your money problems have become too big to deal with on your own, seek out consumer credit counseling! Do not delay making contact with a Credit Counselling Canada member agency in your area. A credit counselor will be happy to analyze your situation, discuss your options, and help you take steps to stop the debt collection calls! Remember, there is an answer to your debt situation. Do not give up!
Click here to find the CCC Counsellor nearest you.