Credit Bureau of Owen Sound

What is the Credit Bureau of Owen Sound?

The Credit Bureau of Owen Sound is a debt collection agency that works with businesses to recover unpaid amounts.

They've been around since 1951 and are based in Owen Sound, helping companies throughout Grey and Bruce counties and the rest of South Western Ontario.

Along with their collection services, they also have in-house paralegals who can help if a case needs to go to court.

Why is the Credit Bureau of Owen Sound calling me?

If the Credit Bureau of Owen Sound has called you, it's likely because they're trying to collect a debt for another company or organization.

Credit Bureau of Owen Sound collects for:

• Telecommunications companies (phone, internet, cable)
• Banks and financial institutions
• Government agencies
• Healthcare providers and hospitals
• Utilities (hydro, gas, water)
• Education and student loans
• Commercial businesses
• Credit card companies

Is Credit Bureau of Owen Sound a legitimate collection agency?

Yes, the company has been in business since 1951 and offers both collection and paralegal services from its office in Owen Sound.

In Ontario, collection agencies must be registered with the provincial ministry under the Collection and Debt Settlement Services Act.

Just like with any collection call, scammers can pretend to be from a collection agency. Always ask for written proof of the debt before you pay anything.

Your rights when a debt collection agency like Credit Bureau of Owen Sound contacts you

Debt collectors and agencies have to follow certain rules about what they are allowed to do and what they can't do:

• Every time a debt collector contacts you, they must identify themselves.
• Debt collectors are only allowed to contact you during certain hours, usually between 7 AM and 9 PM, though the exact times can vary depending on where you live.
• They cannot make false or misleading representations to collect a debt.
• Debt collectors may not harass, threaten or intimidate you.
• Debt collectors may not use threatening, profane, intimidating or coercive language.
• Debt collectors may not apply undue, excessive or unreasonable pressure.
• Make sure to get written proof before you answer any questions, share personal details, or make a payment.
• A debt collector can't contact you at work once you've told them not to.

What to do if a debt collection agency like Credit Bureau of Owen Sound contacts you

1. Ask for written verification of the debt.
2. Don't acknowledge that you owe the debt or supply sensitive information until you've verified it.
3. If you want the calls to stop, you can write to the collection agency and ask them not to call you anymore. But this doesn't prevent legal action.
4. If you don't think you owe the money, dispute the debt and request written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.