How can I handle Collection Calls?
Many Canadians are very uncomfortable receiving a collection call from a bill collector. In some instances, it can be a major headache for an Ontario resident to get a collection call at the workplace. There are three basic strategies for handling collection calls:
- Reduce the likelihood of the call
If you are getting phone calls or you anticipate receiving collection calls try and be polite and curteous. If you have a landline you should consider getting an unlisted number until you have resolved your issues—and advising friends and family not to give out this unlisted number to anyone. Furthermore, you should avoid having your name mentioned on your voicemail greeting.
- Effectively screening potential phone calls
There are a substantial number of options you might employ to protect yourself:
- Letting all incoming calls go to voicemail
- Using the call display feature on your phone to screen your calls
- Decline to give out your name to callers unless they first identify the name of their employer
- Dealing with a bill collector who does get you on the phone
If a bill collector does get you on the phone then you have every right to protect yourself—You are under no legal obligation whatsoever to speak to a bill collector if you are feeling harassed.
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