Are you getting debt collection calls?

Most British Columbians experience stress when they think about debt. In BC, you have rights when it comes to debt collection. Explore our information and self-help tools to learn your rights and help you on your debt journey. 

Facts about debt in BC

  • Most people report feelings of stress or embarrassment when contacted by a debt collector
  • Every age group reported higher levels of debt stress from 2021 to 2023
  • BC millennials are the most stressed and least confident when it comes to debt, compared to other age groups
  • People under 55 in BC are more reliant on loans and other credit products

Based on survey data (2021 and 2023) from over 2,500 British Columbians.

A pie chart showing debt stats that 73% of British Columbians are in debt because of external factors

Facts about debt in BC

  • People under 55 in BC are more reliant on loans and other credit products
  • BC millennials are the most stressed and least confident when it comes to debt, compared to other age groups
  • Every age group reported higher levels of debt stress from 2021 to 2023
  • Most people report feelings of stress or embarrassment when contacted by a debt collector

Based on survey data (2021 and 2023) from over 2,500 British Columbians.

The law in BC speaks to when a collector can contact you and how they can communicate with you. 

A dog hides under a blanket. Image for a blog post about how to get the calls to stop

Are you getting calls from a debt collector? Under BC law, you have the right to ask them to contact you in writing only. Here’s what you need to know.

A dog smiles next to a photo of a cat. The image for a blog post of what to do if a debt isn't yours

Are you getting calls about a debt that is not yours? Sometimes collectors have the wrong contact information. Here’s how you can fix the problem.

A lady sitting outside looks down at her phone. Image for a blog post on the rules debt collectors must follow in BC.

The law speaks to when a collector can contact you and how they can communicate with you. Brush up on your rights in BC.

A woman writes in a notebook. Image for a blog post about how debt impacts your credit.

Find out how debt affects your credit score and learn how to update or change your credit report.

A shark labeled "unlicensed" holds a bag of money. Image for a blog about the risks of borrowing from unlicensed lenders.

It can be incredibly risky to borrow money from an unlicensed lender. We’re going to explain why and tell you how you can protect yourself.

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If you’re looking for support while paying down debt, there are several different options to explore.

A hand holds a flower out infront of a field. Image for a blog post on 4 ways to manage debt

If you’re dealing with debt, know there are ways to manage your debts and begin to pay them off. Here are four ways to get started.

A woman with long brunette hair stands back on in front of a house. Image for a blog post on debt relief: credit counsellors vs debt repayment agents.

If you’re dealing with debt and decide you want help from a credit counsellor or debt repayment agent, here are some things to keep in mind.

A sign post pointing in multiple directions. Image for a blog post on 8 tips for choosign a debt relief service.

Before you sign up for any service that promises to rid you of your financial woes, make sure you know what to expect.

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Paying off debt is an important first step to feel in control of your money. Once you’re able, here are some tips to help you plan for the future and avoid taking on additional debt.

A squirrel stands over a pile of nuts. Image for a blog post on 3 simple steps to create a budget.

Creating a budget is one of the best ways to stay on track with your spending and feel more in control of your money. It will help you tuck money away for your expenses and goals.

A cat sits on the back of a couch looking out the window. Image for a blog post on how to save for a rainy day.

While it’s important to focus on paying off your debts first, tucking some money away for an emergency can help you avoid taking on additional debt.

A dog wrapped up in a blanket with stock charts in the background. Image for a blog post on how to prepare for rising interest rates.

A rise in interest rates can be challenging if you’re paying off debt. Here are some ways you can take steps to manage a potential change.