Collection Calls
Calls from debt collection agencies can be extremely stressful, particularly when they are happening on top of your overwhelming debt. You may not be sure where to turn or what to do next. But harassing debt collection calls don’t have to be your reality. Learn your rights and how to stop them — for good.
Why Am I Getting Debt Collection Calls?
Collection calls usually begin when you’re behind on a bill or overdue on a debt, often around 90–120 days past due.
Typically, collection agencies are professional debt collectors hired by creditors and are paid commission on each dollar collected from debtors.
This often leads to continuous collection calls, many of which are made using auto-diallers, where you are kept in a queue and called until you answer.
Most importantly, ignoring collection calls does not work. If ignored, they can escalate to wage garnishment, lawsuits, and the calls will ultimately continue.
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See How Much You Could Save with a Consumer Proposal
A consumer proposal can reduce your total debt by up to 80% — and stop collection calls.
How Financial Stress Affects Your Health & Wellbeing
Our findings confirm that constant stress from overdue bills, mounting interest, and relentless collection calls can lead to anxiety, depression, and even physical health problems.
Financial stress doesn’t just stay on paper; it seeps into daily life, relationships, and your ability to focus or sleep. The good news? You’re not alone, and help is available. Taking the first step toward debt relief can significantly improve your emotional and physical wellbeing.
things to know
How Do I Stop Collection Calls?
There are effective, legal ways to stop collection calls permanently, and it starts with knowing your options.
Here are some steps to take that can help stop collection calls:
verify the debt is yours
Before taking action, make sure the debt is accurate. Request written validation. If you’ve already paid it, share proof. If it’s not yours, ask them to stop calling.
know your rights
You’re protected by Ontario’s debt collection call laws. If a debt collection call centre is calling too often, outside legal hours, or using aggressive tactics, they’re breaking the law.
If the debt is valid, you may be able to settle with the collector or arrange a repayment plan. However, this doesn’t stop calls unless a formal agreement is reached.
The most effective way to stop debt collection calls for good is by filing a legal debt relief solution. Licensed Insolvency Trustees (LITs) are the only professionals in Canada authorized to file all forms of debt relief and can intervene on your behalf to stop collection actions like collection calls
Freedom from Collection Calls Starts Here
Talk to a Licensed Insolvency Trustee and take the first step toward stopping the calls and the stress. Together, we’ll find the right solution for you.
debt help options
How a Licensed Insolvency Trustee Can Help
To stop collection calls, it’s essential to know when you need professional help. There are two primary ways a Licensed Insolvency Trustee is able to stop collection calls: a Consumer Proposal or Personal Bankruptcy.
A Consumer Proposal
A consumer proposal is a formal agreement where you repay only a portion of your debt over time, often reducing what you owe by up to 80%. Once filed, all collection activity must stop by law, including calls, interest, and legal threats.
Details
It’s one of the most effective and affordable debt relief options in Canada. You’ll work with a Licensed Insolvency Trustee who will negotiate with your creditors and create one manageable monthly payment that fits your budget.
Personal Bankruptcy
If a consumer proposal isn’t right for your situation, personal bankruptcy eliminates most unsecured debt. It provides immediate legal protection from collectors and can help you make a fresh start.
Details
While often seen as a last resort, bankruptcy can stop wage garnishments, lawsuits, and frozen bank accounts. Your Licensed Insolvency Trustee will guide you through each step and ensure you understand your rights and obligations.
Together, We’ll Find the Right Path Forward
Talk to a caring Licensed Insolvency Trustee at Spergel. Your free consultation is confidential, judgment-free, and focused entirely on helping you move toward a debt-free future.
What Real Canadians Are Saying
Hear from people who stopped the calls, ended the garnishments, and finally found peace of mind.
where to start
What’s the First Step to Stopping Collection Calls?
The first step is to speak to a Licensed Insolvency Trustee.
A Licensed Insolvency Trustee (LIT) is the only professional legally authorized to administer legal debt relief solutions like consumer proposals or bankruptcies. At Spergel, we’ve helped over 100,000 Canadians regain control of their finances. We’ll review your situation and help you understand the best solution to protect yourself, stop the collection calls and restore your peace of mind.
Everyone’s Situation is Different. Let’s Talk About You.
Book a free call today, and let’s make a plan together.
General faq
Frequently Asked Questions about Collection Calls
How quickly can I stop the calls?
Immediately after you file a legal debt relief solution like a consumer proposal or bankruptcy, all collection calls and legal action must stop by law.
What if debt collectors keep calling me at work?
Unless your employer guaranteed your debt, collectors can’t legally discuss your situation at work. If they’re crossing this line, report it and talk to a Licensed Insolvency Trustee.
Can a debt collector take me to court?
They can, but only if proper legal steps are followed. A consumer proposal or bankruptcy stops any legal action immediately.
Can I stop the interest and penalties?
Yes. With a consumer proposal, collection activity stops (including additional interest and penalties), and you only repay a portion of what you owe.
What if the debt isn’t mine?
Tell the agency they’ve made an error, request they stop contacting you, and consider filing a complaint if the calls continue.
Real Canadians. Real Success - Like Eric
The credit card collections calls were causing Eric stress and wouldn’t stop, so he decided to get help. He was close to signing what he called a “debt collection settlement”. Eric had found a lender to borrow enough from to pay off his collection debts. A close friend told him he was crazy to agree to the proposed repayment interest of 30% and Eric decided to call a Licensed Insolvency Trustee instead to help him find a better option.
Eric's Story is just one of many
Discover more of our Success Stories of Canadians just like you, or reach out to us so we can help you become debt-free sooner.
Let’s Talk About the Right Path Forward
Every situation is different, but there is help. Book a free, confidential call with a Spergel Licensed Insolvency Trustee and let’s explore your options together.
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