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Debt and Consumer Rights

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Debt and Consumer Rights

Collection agencies

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A collection agency called me. Do I have to talk to them?
A collection agency called about a debt I do not owe. What can I do?
What rules do collection agencies have to follow and what are my rights?
How do I complain to the Ministry of Public and Business Service Delivery?

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This site contains general legal information for Ontario, Canada. It is not intended to be used as legal advice for a specific legal problem.

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Copyright © CLEO (Community Legal Education Ontario / Éducation juridique communautaire Ontario).

Steps to Justice is a collaborative project led by CLEO and is funded by:

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This site contains general legal information for Ontario, Canada. It is not intended to be used as legal advice for a specific legal problem.

Copyright © 2026 CLEO (Community Legal Education Ontario / Éducation juridique communautaire Ontario).