If a collection agency contacts you legally and refrains from harassment, there are a few things you can do to make the process easier on yourself.
First, make sure you are aware of your debt. Ignoring a debt or a collection agency won’t make the debt go away. Do what you can to address the situation head on. If you believe the collection agency is in error, ask for proof that you owe the debt and information about the original creditor.
Second, always get the collection agency’s information. Keep track of what they say and what information they provide. Record the dates and times of any phone calls. Save every letter a collection agency sends to you.
Third, if you can repay the debt, you should do so. Get a copy of all your payment receipts, and don’t send any cash directly to the company through the mail.
Visit the Alberta government consumer tips page for more information on how to deal with a collection agency.