How many times a day can the bank call you?

_{bank calling, How many times can the bank call, Ontario}

In Canada, there’s no federal cap on how often debt collectors can call, unlike in the U.S. However, overwhelming calls might be seen as harassment under provincial rules. It’s essential to communicate clearly with collectors and set boundaries. If issues persist, consider reporting to a provincial agency or consulting a Licensed Insolvency Trustee. Not all trustees can be trusted. Reach out via phone, text, or live chat if you have any questions.

Show Table of Contents

_{Understand debt collection practices and consumer protection rights.}

Bank Calling Question

How many times a day can the bank call you? I want to know how often a bank is allowed to call me in one day. It feels excessive, and I’d like to understand the rules.

From: Anonymous Question
Location: Ajax, Ontario (ON)
Category: debt settlement

Bank Calling Answer

In Canada, there isn’t a federal cap on how many times a bank or debt collector can ring you up. Unlike the U.S., where they’ve set a specific call limit, Canada focuses on keeping things civil, so harassment is off the table. Even if there isn’t a strict daily limit, getting hammered with too many calls could still be considered harassment under provincial rules. It’s a smart move to chat with the collector and lay out any concerns.

If you feel they’re going overboard with the calls, you can officially tell the collector to back off. They should honor your wishes and quit calling. If the calls don’t stop, it might be a good idea to file a complaint with your provincial consumer protection agency or check in with a Licensed Insolvency Trustee. Just remember, not every trustee is your best buddy.

From: Insider Adam

Office of the Superintendent of Bankruptcy (OSB) Answer

The Canadian laws do not specify an exact number of times a bank can call you in one day; however, they are governed by collection practices under the Bank Act and provincial collection regulations. Generally, excessive calling could be deemed harassment under these regulations. For specifics, refer to the Bank Act (RSC 1991, c 46) and respective provincial regulations regarding debt collection practices, which discourage repeated and harassing phone calls to individuals. If you feel the frequency is excessive, you may consider documenting these calls and potentially filing a complaint with the appropriate regulatory body.

From: OSB Helper

Related Questions to How Many Times Can The Bank Call

Here are the top 5 most frequently asked questions related to the frequency of calls from debt collectors or banks, tailored to the Canadian context:

1. How many times a day can a debt collector call me?

• A debt collector can make up to 7 calls within a 7-day period, but not more than one call per day if contact is made with the consumer[1].

2. What are the allowed hours for debt collectors to call me?

• Debt collectors may not call before 8 a.m. or after 9 p.m. in the consumer’s local time zone[1].

3. Can debt collectors call me at my workplace?

• No, debt collectors are not allowed to contact consumers at their place of employment[1].

4. How often can debt collectors send text messages or emails?

• Debt collectors can send text messages or emails only after obtaining consent, and consent for text messages must be renewed every 60 days[1].

5. Can I stop debt collectors from calling me?

• Yes, you can request in writing that the debt collector stop contacting you, although this may not stop all communications entirely[1].

If you have a question about debt see our debt questions or ask your own debt related question.

References

_{Table of article references}