Implementing a debt repayment program will stop the collection agencies from harassing and embarrassing phone calls. It allows you to responsibly repay the debt through a negotiation and settlement offer. Here are some things you can do:

• Don’t ignore those calls and letters. They will simply continue and the company could seek legal recourse through garnishment.
• Remain calm and professional. Treat the caller as you would like to be treated.
• Don’t commit to something you can’t fulfill just because you are being bullied.
• Keep any commitments. If you can’t explain why.
• Be sure the debt is valid. If you have any concerns, ask for written confirmation. If they cannot provide that, explain that you cannot repay something they cannot prove you owe.

Understand the Collection Agency Act of Ontario as to what the collection agency can and can’t do.