Why is Chapter Law calling me?

_{Chapter Law calling me, Chapter Law calling you, British Columbia}

Chapter Law might be contacting you about overdue debts, possibly from credit cards or loans. Some reviews mention aggressive tactics, so it’s smart to verify their credentials with the Law Society of Ontario to ensure they follow proper collection laws. It’s also important to request written proof of the debt. Reach out via phone, text, or live chat if you have any questions.

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Chapter Law Calling Me Question

Why is Chapter Law calling me? I’m curious why this company is contacting me. I want to ensure it’s legitimate before engaging with them.

From: Anonymous Question
Location: Surrey, British Columbia (BC)
Category: debt settlement

Chapter Law Calling Me Answer

So, Chapter Law might be reaching out as the legal point of contact for a creditor about some debts that haven’t been paid. It’s possible they’re dealing with past-due amounts from credit cards, loans, or similar financial responsibilities. Reviews of their methods are a mixed bag, with some noting aggressive strategies like threatening legal steps without laying out the debt in black and white. To see if they’re on the up and up, you might want to check their credentials with the Law Society of Ontario. Plus, it’s a smart move to ask for written proof of the debt, just to keep everything aboveboard.

From: Insider Scott

Office of the Superintendent of Bankruptcy (OSB) Answer

Chapter Law may be contacting you as they likely provide services related to debt management, consumer proposals, or personal bankruptcy. Under the Bankruptcy and Insolvency Act (RSC 1985, c 11) and its associated regulations, companies involved in these areas must adhere to specific guidelines for communication with debtors. It is advisable to verify their legitimacy by confirming their registration as a Licensed Insolvency Trustee or checking their compliance with the regulations outlined in the Act (Section 50) and the relevant regulations (C.R.C., c. 369). You can also consult the Official Receiver’s office for further verification.

From: OSB Helper

Related Questions to Chapter Law Calling You

Here are the top 5 frequently asked questions related to “Why is a collection agency calling me?” based on common concerns and trends in Canadian consumer debt issues:

1. How long can a collection agency collect on a debt?

A collection agency can try to collect on a debt indefinitely, but they can only pursue legal action within the provincial statute of limitations, typically 2 to 6 years[1].

2. What are my rights when dealing with debt collectors?

You have the right to be protected from harassment, intimidation, and false information. Debt collectors must follow specific rules regarding communication and cannot contact you excessively or at inappropriate times[2][4].

3. Can I stop collection agency calls?

Yes, you can stop collection agency calls by sending a written notice requesting that they communicate only with your lawyer or licensed paralegal, or by disputing the debt and suggesting the matter be taken to court[4].

4. What information must a collection agency provide when contacting me?

A collection agency must provide a written notice including the amount of the debt, the product or service that incurred the debt, the name of the creditor, and their contact information, among other details[4].

5. Can declaring bankruptcy stop collection calls?

Yes, filing for personal bankruptcy can stop debt collection calls and protect you from collection proceedings and legal actions pursued by debt collectors[1].

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

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