Certain debt settlement service practices are prohibited. Here are some examples.
Premiums, gifts, etc.
No debt settlement service merchants, or any other person, may offer you a premium as an incentive to enter into a debt settlement service contract. In other words, you may not be offered any benefits, discounts or gifts for this purpose.
When entering into or in the performance of a debt settlement service contract with you, the merchant may not enter into or offer to enter into a credit contract with you, or help or encourage you to enter into such a contract.
Information on debt reduction
A merchant may not claim that your debt will be reduced, unless the creditor has agreed to grant this reduction.
Debt settlement service merchants are not allowed to:
- restrict communications between you and your creditors;
- disclose any information about you to anyone whomever, other than a creditor to whom you have authorized the merchant to do so or to a person acting as a surety for you.
If you have any problems
If you find yourself in a situation in which these rules are not respected, you can contact the Office the la protection du consommateur to file a complaint.
Last update : October 23, 2020
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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.