There are laws that protect debtors from harassment. In most provinces, credit agencies cannot contact consumers between the hours of 10 p.m. and 7 a.m. Additionally, Sundays are partially prohibited days in most provinces, as are statutory holidays, such as Canada Day or Boxing Day.
Furthermore, collection agencies must send you a written notice through regular mail (email doesn’t count) before they can speak with you in person. This notice must include:
After sending the notice, the debt collector must wait at least 6 days before they can try contacting you in person or by phone.