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Wondering “can I ignore debt collectors?” Short answer: you can, but it will likely make things worse. Here’s what really happens if you ignore debt collectors in Canada – and what to do instead.
If you are not able to pay off your debts – including credit card debt, tax debt, or personal loans – your lender (or creditor) may choose to send your debt to a debt collector or collection agency.
Many of us face occasions where we are not able to pay our bills on time, be it due to a job loss, unexpected medical bills, or even a divorce.
Like many Canadians, you probably check your credit report and credit score regularly.
Repossession is a tough situation that many Canadians might face when they struggle to pay for financed assets like homes, cars, or other valuable assets. It usually happens when a lender reclaims the asset or property when payments are not made in full or on time.
In today’s unpredictable economic landscape, protecting your assets from your creditors is an important consideration for both individuals and businesses.
It is not difficult for debt collectors or collection agencies to make anyone feel nervous, especially when they are calling relentlessly and turning up at the door unexpectedly in order to reclaim owed money.
There is nothing more stressful than receiving persistent collection calls from agencies claiming that you owe them money.
If you miss several payments on a debt that you owe, it is more than likely that the debt will land in collections.
If you have clicked on this article, it is highly likely you are worried about collections, and want to know ‘how long do collections stay on credit report?’ We are often asked this question, which is understandable given the importance of your credit score.
If you find yourself struggling with overwhelming debts, you have likely experienced harassing collection calls and possible threats from debt collectors or collection agencies to take further action against you if you are not able to make your debt repayments quickly.
Debt collection is one of the most stressful experiences for any Canadian.
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From your phone, you will be connected with one of our Licensed Insolvency Trustees (LITs) during our regular business hours.
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