What To Say When Debt Collectors Call
If you’ve been receiving calls from debt collectors, you know just how stressful it can feel. This FREE resource – “The Debt Collection Call Script & Legal Rights Guide” – gives you the words, confidence, and legal knowledge to handle collection calls calmly and protect your rights under Canadian law.
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- Author: Spergel
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Take control of debt collector calls - and know your rights.
In 2022–2023, the FCAC logged 6,294 complaints from consumers across Canada. Of those, 3.6% were about credit card debt collection – making debt collection one of the most frequent “money-owed” complaints.
Many Canadians don’t realize that debt collectors are bound by strict legal rules – and that you have rights they must respect. This guide, created by Spergel’s Licensed Insolvency Trustees, gives you the scripts, questions, and legal knowledge you need to respond with confidence and hold collectors accountable.
See What’s Inside
- Ready-to-use call scripts for real-life situations (e.g. verifying a debt, requesting proof, or setting boundaries)
- What debt collectors can and can’t do in Canada – know your rights under federal and provincial law
- An email template to stop collection calls or demand written proof of debt
- A printable call log and quick-reference checklist to document every interaction
- Contact info for provincial consumer protection offices if you need to report harassment
- Real stories from Canadians who found relief and stopped collection calls for good with help from Spergel
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