Collection Agencies - Rights and Responsibilities of Consumers

Although businesses usually try to collect their unpaid bills themselves, if they are unable to do so they may turn your account over to a collection agency. All collection agencies who collect debt from people in Prince Edward Island have to be licensed by the Consumer Services Section. 

A collector may not:

  •  collect or attempt to collect money without first being satisfied that you owe the money to the creditor
  •  telephone, visit or send mail to your place of employment
  •  collect more than you owe the creditor
  •  contact you after the hours of 9:00 p.m. and before 8:00 a.m. or on a Sunday
  •  pretend to be someone else or use forms not filed with the registrar
  •  make collect telephone calls to you or charge you for telephone calls, telegrams or mail costs
  •  threaten you with action outside the authority of the collection agency
  •  make such frequent contacts as to constitute harassment
  •  contact other people including your employer, family, friends or neighbours except to obtain your address
  •  include your spouse in collection or court actions unless your spouse has also signed for the debt
  •  use coercive language, cite loss of employment or loss of community ranking or give false information to anyone that could cause you or your family problems at work
  • contact you after receiving written notice to communicate through your legal counsel

Who can I contact for more information?

Consumer, Corporate and Financial Services
Shaw Building, 4th Floor
95 Rochford Street
P.O. Box 2000
Charlottetown, PE  C1A 7N8
​Telephone:  (902) 368-4550
Fax:  (902) 368-5283


Published date: 
July 21, 2017
Justice and Public Safety

General Inquiries

Financial and Consumer Services Division
1st Floor, Shaw Building (North Entrance)
105 Rochford Street
PO Box 2000
Charlottetown, PE   C1A 7N8

Phone: 902-368-4550
Fax: 902-368-5283