How to Deal with Collection Agencies in Winnipeg

Receiving calls and letters from collection agencies can be overwhelming and stressful. If you’re in Manitoba and being contacted by debt collectors, it’s crucial to know your rights and how to respond.

Here are 6 steps to help you deal with collection agencies effectively:

1. Don’t Ignore the Calls – But Don’t Panic

It’s important to face the situation head-on. Ignoring collectors may lead to wage garnishments or legal action.

2. Know Your Rights in Manitoba

Under Manitoba law, collection agencies:

• Must identify themselves on every call
• Can only contact you at certain times (not on Sundays or holidays), and only between 7 am and 9 pm
• Cannot use threatening or abusive language
• Cannot contact your employer or family without your permission (except to verify your contact info)

3. Request Written Validation of the Debt

Ask for a written statement outlining the debt amount, creditor, and any applicable fees. This is your chance to confirm the debt is accurate.

4. Keep a Record of Communications

Log every interaction—date, time, name of the caller, and what was said. This helps protect you if harassment or misinformation occurs.

5. Don’t Commit to Payments You Can’t Afford

Collectors will push for payment, but agreeing to an unaffordable plan can make things worse. Only agree to terms you can realistically meet.

6. Consider a Consumer Proposal

Once you file a consumer proposal with a Licensed Insolvency Trustee, all collection activity must stop immediately. This is a powerful legal tool to regain control of your financial situation.

Real-Life Winnipeg Example:

A small business owner in Winnipeg was being harassed daily by a collection agency over a credit card debt. With the help of Lazer Grant, she filed a consumer proposal, stopped the calls, and reduced her payments by 55%.

Final Thoughts:

Dealing with collection agencies in Manitoba can be intimidating, but you’re not powerless. If you feel like you’re drowning in calls, threats, or unmanageable debt, reach out to Lazer Grant.

Our Winnipeg-based Licensed Insolvency Trustees are here to help you stop the stress and start fresh. Book your free consultation today.