Day: January 5, 2018

Collection Agents (PLEA) – Tip of the Week

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By Ken Fox

If you are a looking to become better acquainted with a new area of Saskatchewan law, there is no better service than the Public Legal Education Association of Saskatchewan (PLEA).

PLEA hosts more than 200 pamphlets aimed at the General Public, but today I have chosen to focus on the nasty business of Collection Agents. The document opens with a compelling scenario:

you lost your job three months ago, and are having trouble paying your bills. You just got your third call in a week from a collection agent about your credit card account. You explained your situation to the collection agent, but she didn’t seem to care. She said that if you didn’t pay the entire amount by the end of this month, they would take you to court and ruin your credit rating. She has already called your spouse at work, and said that they would be talking to your spouse’s employer. You want to do the right thing, but just do not have the money right now. What can you do?

This harrowing narrative is followed with eight paragraphs of perfectly lucid and readable commentary that gives the unfortunate debtor an excellent overview of their legal standing, as well as some notes on strategy going forward, despite not being “intended to form the basis of legal advice of any kind.”

The disclaimer to legal advice may seem odd, given that the information does sound in places very much like very good advice. But the beauty part is that the disclaimer means that this advice is free to share with whomever may need it, and as often as it is needed. So the next time you or a friend or family member gets into any kind of legal trouble, please remember PLEA!