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Au Canada, bon nombre de vos droits \u00e0 titre de consommateur sont garantis par des lois sur la protection du consommateur qui couvrent m\u00eame la plus banale des transactions.<\/p>\n
Vous avez droit \u00e0 un traitement juste et raisonnable. Les lois provinciales garantissent ce droit, en d\u00e9crivant les pratiques strictes et respectueuses de recouvrement des cr\u00e9ances et de communication auxquelles les agences de recouvrement doivent se conformer.<\/p>\n
Les cr\u00e9anciers et les agents de recouvrement ne peuvent pas divulguer vos renseignements personnels sans votre consentement. Ils sont tenus par la loi de prot\u00e9ger votre droit \u00e0 la vie priv\u00e9e.<\/p>\n
Vous avez le droit de demander une preuve qui confirme que vous avez l\u00e9galement une dette. En cas de dispute, vous avez le droit d\u2019exiger un relev\u00e9 comme preuve de toute somme due.<\/p>\n
Demeurez bien inform\u00e9 au sujet des pratiques justes de recouvrement de dette et prenez les d\u00e9marches n\u00e9cessaires pour vivre selon vos moyens et g\u00e9rer vos dettes.<\/p>\n
Soyez honn\u00eate aupr\u00e8s des agents de recouvrement et prenez le temps et l\u2019occasion d\u2019expliquer votre situation. Les cr\u00e9anciers voudront plus vraisemblablement travailler avec vous si vous \u00eates honn\u00eate et transparent.<\/p>\n
Traitez avec les cr\u00e9anciers et les agents de recouvrement d\u2019une fa\u00e7on respectueuse et ouverte. Ne prenez jamais<\/em> des engagements que vous ne pourrez pas respecter.<\/p>\n Si vos probl\u00e8mes financiers sont devenus trop importants pour les affronter vous-m\u00eame, un conseiller en mati\u00e8re de cr\u00e9dit se fera un plaisir d\u2019analyser votre situation, discuter de vos options, et de vous aider \u00e0 prendre les d\u00e9marches dans le but de mettre fin aux appels des agents de recouvrement de fonds. Il existe une solution \u00e0 votre situation. N\u2019abandonnez pas!<\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" \u00c9DUCATION VOS DROITS ET RESPONSABILIT\u00c9S Au Canada, bon nombre de vos droits \u00e0 titre de consommateur sont garantis par des lois sur la protection du consommateur qui couvrent m\u00eame la […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"In Canada, many of your rights as a consumer are set out by\u00a0consumer protection legislation\u00a0that covers the most common consumer transactions.\r\nNo Matter What You Owe - You Have Rights<\/h3>\r\nYou have the right to be treated in a fair and reasonable manner. Provincial legislation guarantees this right, outlining strict and respectful debt collection and communication practices that creditors and debt collection agencies must follow.\r\nCreditors and debt collectors cannot disclose confidential information about you without your consent. They have a legal responsibility to protect your privacy.\r\n\r\nYou have the right to request proof that confirms a debt is legally owed. In the case of a dispute, you're within your rights to request a statement to provide proof of any outstanding balance.\r\n
You Also Have Responsibilities<\/h3>\r\nKeep yourself well informed about fair collection practices and take the necessary steps to live within your means and manage debt.\r\n\r\nBe upfront with collectors and take the time and opportunity to explain your situation. Creditors are much more likely to work with you when you are open and honest.\r\n\r\nDeal with creditors and debt collectors in a respectful and forthright manner. Never make commitments you know you cannot keep.\r\n\r\nIf your money problems have become too big to deal with on your own, a certified credit counsellor will be happy to analyze your situation, discuss your options, and help you take steps to stop the debt collection calls. There is an answer to your debt situation. Do not give up!\r\n\r\nFind a Counsellor<\/a>","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-660","page","type-page","status-publish","hentry"],"yoast_head":"\n