It is a debt collection company Commercial Credit Adjusters from Winnipeg. Before you talk to them there is a excellent web site credit-collections.ca that clearly explains your rights. It was written for the Canadian market by a Canadian who was hassled by them. It was not written by the collections industry and they would really like to get rid of it as evidenced by the false information they try to submit on occasion. There is lots of reading to do but some of that has to do with the various laws across the country. Also, there is a great deal of information on the internet written about the American situation that does not apply to Canada. If it's not Canadian don't read it as it will only confuse you. First thing is, did they send you a letter about the collection? They can't get in touch with you unless they did. What is the date of the debt? The Statute of Limitations ( SOL) varies by province and if they have exceeded that date they are SOL. If you have call display learn to recognize the number and just ignore them.
If you live in any of these provinces this is the Limitation on the collection of debt in all the provinces. If you have passed your provincial deadline then ignore the call they have lost their window.
British Columbia – Section 3 (5) of the BC Limitation Act sets 6 years as the limit for debt.
Alberta – The Alberta Limitations Act sets 2 years as the term which is extended to 10 years if there is a judgement.
Manitoba – Limitation of Actions Act, C.C.S.M. c. L150, s. 2(1)(g) sets 6 years as the limit for debt.
New Brunswick – Limitation of Actions Act, S.N.B. 2009, c. L-8.5. sets 6 years as the limit for debt.
Newfoundland and Labrador – Limitations Act, S.N.L. 1995, c. L-16.1, ss. 5(b); 13; 14. sets 2 years as the limit for debt.
Nanavut – Limitation of Actions Act, R.S.N.W.T. 1988, c.L-8, s. 2(e). sets 6 years as the limit for debt.
Nova Scotia – Limitation of Actions Act, R.S.N.S. 1989, c.258, s. 2(1)(e). sets 6 years as the limited for debt. However, within 4 years of expiry of general limitation period, court may disallow the limitation period, having regard to circumstances of the case – Listed are enumerated factors to consider including date of “discovery” of claim.
NWT – Limitation of Actions Act, R.S.N.W.T. 1988, c. L-8, s. 2(e). sets 6 years as the limit for debt.
Ontario – The Ontario Limitation Act of 2002 , came into force on January 1, 2004. It sets 2 years as the term (Section 4). However, this limitation will be reinstated where the debtor acknowledges the debt or makes a partial payment towards the debt. If the debt default occurred prior to January 1, 2004, the creditor will have 6 years to pursue the claim. However, if the default occurred after January 1, 2004 then the credit will just have the 2 year limit.
P.E.I. – Statute of Limitations, R.S.P.E.I. 1988, c. S-7, s. 2(1)(g). sets 6 years as the limit for debt.
Quebec – Civil Code of Quebec, S.Q. 1991, c. 64, art. 2925. sets 3 years as the limit for debt.
Saskatchewan – Limitations Act, S.S. 2004, c. L-16.1. sets 2 years as the limit for debt.
Yukon – Limitation of Actions Act, R.S.Y. 2002, c. 139, s. 2(1)(e), (f). sets 6 years as the limit for debt.