Who is required to follow the rules pertaining to collection agencies?
Two sets of rules govern who the rules apply to. Companies that are in the business of collecting debts and people that work for them are required to be licenced. This protects borrowers from abusive practices by collection companies. Companies that collect debts for themselves or lawyers that collect debts for a client are not required to be licenced. Agencies and people authorized by the Insurance Act and civil enforcement bailiffs are not required to be licenced. 3. What collection agencies can and cannot do? There are strict rules as to when, how often and where collection agencies are allowed to contact you. They can contact you at home or at work in order to try to collect the outstanding debt. They can only phone between 7 a.m. and 10 p.m. If you have requested that they not contact you at work, they cannot continue to do so but you must make alternate arrangements for them to contact you and you must ensure that they are able to contact you at that number. The collection agency
