The times when you may contact a debtor are limited.


You may contact a debtor between 8:00 a.m. and 8:00 p.m. Outside these hours, you are violating the law.

Statutory holidays

You may not contact a debtor on statutory holidays, namely:

  • Sundays;
  • January 1;
  • Good Friday;
  • Easter Monday;
  • Fête nationale (June 24);
  • Canada Day (July 1, or July 2 when the 1st falls on a Sunday);
  • Labour Day (the 1st Monday in September);
  • Thanksgiving (the 2nd Monday in October);
  • Christmas (December 25);
  • Victoria Day (the Monday that precedes May 25).

Saturday is not considered a statutory holiday.

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Last update : July 3, 2019

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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.