Collection agents are not allowed to contact people around you: your spouse, partner, relatives, friends, acquaintances or neighbours.

This rule does not apply in 2 situations:

  • a person acts as your debt’ s guarantor, i.e. that person has agreed to pay the debt in your place if you fail to do so;
  • the agent does not have your address or telephone number. The agent may then communicate only once with one of these people in order to obtain your contact information. The agent may also do so if he or she has tried to call you at home but was unable to reach you.


If a collection agent fails to abide by these rules when contacting you, you may file a complaint with the Office de la protection du consommateur. The page titled Contact Us lists our contact information.

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Last update : May 3, 2021

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The information contained on this page is presented in simple terms to make it easier to understand. It does not replace the texts of the laws and regulations.