Creditor Harassment In Ontario

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Summary

Creditors in Ontario are prohibited from contacting you once a consumer proposal is filed. If they do, you can report them to your Proposal Administrator or the Ministry of Government and Consumer Services. Penalties for violations can include sanctions or fines under the Bankruptcy and Insolvency Act. Even if the creditor is your landlord, they must follow these rules and cannot evict you solely based on the consumer proposal. Always consult a legal expert for specific guidance.

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What is the penalty if these rules are broken?
In Ontario, if a creditor violates the rules by contacting you after a consumer proposal is filed, they may face penalties under the Bankruptcy and Insolvency Act. This can include sanctions or fines. Exact penalties can vary, so it's best to consult with a legal expert.
How do you penalize someone who violates creditor rules
In Ontario, penalizing a creditor who violates the rules involves:
- Reporting to your Proposal Administrator.
- Filing a complaint with the Ministry of Government and Consumer Services.
- Potentially, legal action may be taken against the creditor under the Bankruptcy and Insolvency Act.
Always consult with a legal expert for guidance.
How do you penalize someone who violates creditor rules
In Ontario, if someone violates creditor rules, you can lodge a complaint with the Office of the Superintendent of Bankruptcy Canada. They can investigate the matter and may impose sanctions, fines, or even revoke a creditor's license, depending on the severity of the violation.
What if the creditor is your landlord
In Ontario, even if your landlord is a creditor, they must adhere to the same rules. If they violate these rules, you can report them to the Office of the Superintendent of Bankruptcy Canada. They are not allowed to evict you solely based on filing a consumer proposal.
Are they allowed to contact you
In Ontario, once a consumer proposal is filed, creditors, including your landlord, are not legally allowed to contact you directly. Any communication must go through your Proposal Administrator. Violation of this rule can lead to penalties.