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Stop Collection Agency Calls & Harassment
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ºÒ¹ýä±ÇÃ᫐ ¹× ºÒ¹ýÃß½ÉÇàÀ§¶õ? Collection Agency Harassment
1. 乫ÀÚ µ¿ÀǾøÀÌ ÀÏÁÖÀÏ¿¡ 3ÀÏ ÀÌ»ó ºúµ¶ÃË Àüȸ¦ ÇØ¼ ±«·ÓÈ÷°Å³ª »ç»ýȰÀ» ¹æÇØÇÏ´Â ÇàÀ§.
2. ÁÖÁß ±×¸®°í Åä¿äÀÏ ¿ÀÈÄ 9½Ã¿¡¼ ¿ÀÀü 7½Ã »çÀÌ¿¡ ÇÏ´Â ºúµ¶ÃË ÀüÈ.
3. ÀÏ¿äÀÏ ¿ÀÈÄ 1½Ã¿¡¼ ¿ÀÈÄ 5½Ã »çÀ̸¦ Á¦¿ÜÇÑ ³ª¸ÓÁö ½Ã°£´ë¿¡ ÇÏ´Â ºúµ¶ÃË ÀüÈ.
4. ¹ýÁ¤ÈÞÀÏ (Statutory Holidays) ¿¡ ÇÏ´Â ºúµ¶ÃË ÀüÈ.
5. ¼ö¼ö·á¸¦ ¿ä±¸ÇÏ´Â ÇàÀ§.
6. À§Çù, Çù¹Ú, °¾Ð, ¸ðµ¶Àû ¾ð¾î¸¦ »ç¿ëÇÑ Ãß½ÉÇàÀ§.
7. »çÀü ¼¸éÅ뺸¾øÀÌ °í¼ÒÇϰڴٰí Çù¹ÚÇϰųª ±×·± À§ÇùÀ» °¡ÇÏ´Â ÇàÀ§ (Threatening of a Legal Action).
8. ÆøÇà ¶Ç´Â Çù¹ÚÀ» °¡Çϰųª À§°è ¶Ç´Â À§·ÂÀ» »ç¿ëÇØ¼ ÇÏ´Â Ãß½ÉÇàÀ§.
9. 乫Á¤º¸¸¦ Á¤´çÇÑ »çÀ¯¾øÀÌ °ü°èÀÎ (乫ÀÚ Ä£Á·, Ä£±¸, Á÷Àå»ó»ç, µ¿·á, ÀÌ¿ô) ¿¡°Ô ¾Ë·Á ºÎ´ãÀ» ÁÖ´Â ÇàÀ§.
¿¹¿Ü:
§ 乫°ü·Ã Á¤º¸¸¦ 乫ÀÚ º¸ÁõÀÎ (Co-Signer, Guarantor) ¿¡°Ô ¾Ë¸®°í ºúµ¶ÃË Ãß½ÉÇàÀ§´Â ÇÕ¹ý.
§ ÀüȹøÈ£ ¶Ç´Â ÁýÁÖ¼Ò¸¦ ¾Ë±â À§ÇØ Ã¤¹«ÀÚ °ü°èÀο¡°Ô ÀüÈÇÏ´Â ÇàÀ§´Â ÇÕ¹ý.
§ 乫ÀÚ µ¿ÀÇÇÏ¿¡ 乫ÀÚ °ü°èÀο¡°Ô ÀüÈÇÏ´Â ÇàÀ§´Â ÇÕ¹ý.
10. ÇãÀ§»ç½Ç, ¿ÀÇØ¼ÒÁö°¡ Àִ ä¹«Á¤º¸¸¦ 乫ÀÚ ¶Ç´Â °ü°èÀο¡°Ô ¾Ë¸®´Â ÇàÀ§ (False or Misleading Information).
11. 乫ÀÚ ¶Ç´Â 乫ÀÚÀÇ °¡Á· Ä£Áö µî¿¡°Ô ¿¬¶ôÇÏ¿© ´ëÀ§º¯Á¦¸¦ °¿äÇϰųª À¯µµÇÏ´Â ÇàÀ§.
12. ¾÷¹«»ó ¾Ë°Ô µÈ 乫ÀÚ ½Å»óÁ¤º¸¸¦ ŸÀο¡°Ô ´©¼³ÇÏ´Â ÇàÀ§.
13. Á¤´çÇÑ »çÀ¯¾øÀÌ Ã¤¹«ÀÚÀÇ Á÷Àå¿¡ ã¾Æ°¡ ¾÷¹«¸¦ ¹æÇØÇϰųª ¸ð¿åÀ» ÁÖ´Â ÇàÀ§.
14. ±× ¹Û¿¡ ½É¾ß¹æ¹® µî°ú °°ÀÌ Ã¤¹«ÀÚ ¶Ç´Â °ü°èÀÎÀÇ »ç»ýȰ ¶Ç´Â ¾÷¹« ¹æÇØÇÏ´Â ÇàÀ§.
15. ±× ¹Û¿¡ 乫ÀÚ¸¦ ±«·ÓÈ÷´Â ÇàÀ§.
¸¸¾à, ÇöÀç Ãß½ÉÁßÀÎ Collection Agency ·Î ºÎÅÍ ºÒ¹ýÃß½ÉÀ» ´çÇϰí ÀÖ´Ù°í ÀǽÉÀÌ µé¸é:
1. ¸ÕÀú, ÀÚ»çÀÇ »ó´ã¿ø¿¡°Ô ¹®ÀÇÇÏ½Ã¸é ºÒ¹ýÃß½Éȸ»ç¿Í ä±ÇÃ߽ɹ®Á¦¸¦ ó¸®Çϴµ¥ À¯¿ëÇÑ Á¤º¸¸¦ ¾òÀ¸½Ç ¼ö ÀÖ½À´Ï´Ù.
2. ÁÖÁ¤ºÎ °ü°èºÎó¿¡ ¹Î¿øÀ» ³Ö±â Àü¿¡, ¹Ýµå½Ã ¸ÕÀú ºÒ¹ýÃß½ÉÇàÀ§ °ü·Ã ³»¿ëÀ» Complaint Letter ·Î ÀÛ¼ºÇؼ Ãß½Éȸ»ç¿¡ ¼¸éÀ¸·Î ¼Û´ÞÇϰí, Áï½Ã ºÒ¹ýÃ᫐ ÁßÁö¿Í Ã߽ɹý±Ô¸¦ ÁؼöÇÏ°í ½ÃÁ¤ÇÒ °ÍÀ» ¿ä±¸ÇÕ´Ï´Ù.
3. ±×·¡µµ ºÒ¹ýÃß½ÉÀÌ °è¼ÓµÇ¸é, °´°üÀû Áõ°Å¹°À» È®º¸Çؼ ‘ÁÖÁ¤ºÎ¿Í ¼ÒºñÀÚ ¼ºñ½ººÎó’ ȨÆäÀÌÁö¸¦ ÅëÇØ Online Complaint FormÀ¸·Î ¹Î¿øÁ¦±â¸¦ ÇÒ ¼ö ÀÖ½À´Ï´Ù. À̶§ »ó±â 2¹øÀ» ¸ÕÀú ÇØ¾ß¸¸ ºÒ¹ýÃß½ÉÇÇÇØ½Å°í°¡ Á¢¼öµË´Ï´Ù.
4. ÀÚ¼¼ÇÑ »çÇ×Àº ¾Æ·¡ °ü°èºÎó ȨÆäÀÌÁö¸¦ ÂüÁ¶ÇϽðųª, Àüȹ®ÀÇ·Î Á÷Á¢ µµ¿òÀ» ¹ÞÀ» ¼ö ÀÖ½À´Ï´Ù.
1-800-889-9768 or 416-326-8800
§ Ministry of Government and Consumer Services
§ https://www.ontario.ca/ministry-government-and-consumer-services
§ Online Complaint Form
§ https://www.consumerbeware.mgs.gov.on.ca/esearch/compform/english/complaint.jsp
§ Government of Ontario
§ https://www.ontario.ca/page/filing-consumer-complaint
´õ ÀÌ»ó ºÒ¹ýä±ÇÃ߽ɿ¡ ½Ã´Þ¸®Áö ¸¶½Ã°í, 乫¹®Á¦ ÇØ°á°ú ÇÔ²² ÇÕ¹ýÀûÀ¸·Î ä±ÇÃ߽ɿ¡¼ ÇÏ·ç¼ÓÈ÷ ¹þ¾î³ª½Ç ¼ö ÀÖ½À´Ï´Ù. ij³ª´Ù ¿¬¹æÁ¤ºÎÀÇ °³ÀÎȸ»ý°ú ÆÄ»êÀýÂ÷¿¡ ÀÇÇÑ ºúû»ê°ú ÇÔ²² ±ÝÁöÁßÁö¸í·É¿¡ ÀÇÇØ ¸ðµç ä±ÇÀÚ Ãß½ÉÇàÀ§°¡ ¸ØÃß°Ô µË´Ï´Ù. ¼Ò¼Û ¿ì·Á°¡ Àְųª ¼Ò¼ÛÁßÀ̰ųª ¹ý¿øÀÇ È®Á¤ÆÇ°áÀÌ ³»·ÁÁø »óÅÂ¶óµµ °³ÀÎȸ»ý ¶Ç´Â ÆÄ»ê ½Åû¼¿¡ ¼¸íÇϸé, ¹Ù·Î ¹ýÀÇ º¸È£¸¦ ¹Þ°Ô µË´Ï´Ù. ÁÖÀÇÇÒ Á¡Àº, ´ëºÎºÐÀÇ ÁÖ¿¡¼ ¾Ð·ùÁýÇàÀýÂ÷ÀÎ Judgment Lien Àº ȸ»ýÆÄ»êÀ¸·Îµµ ÇØÁ¦µÇÁö ¾Ê´Â Á¡ÀÔ´Ï´Ù. ¼ÒÁßÇÑ Àç»ê¿¡ Lien ÀÌ °É¸®±â Àü¿¡ 乫û»êÀ» ½Å¼ÓÈ÷ ÇÏ´Â °ÍÀÌ ÁöÇý·Î¿î ´ëÀÀÃ¥ÀÔ´Ï´Ù.
¹«·áÀÚ°Ý½É»ç ¹× ¹«·áÀ繫Æò°¡¼¸¦ º¸³»µå¸®´Ï Áö±Ý ¹Ù·Î ÀüÈÇϼ¼¿ä. ¹«·á乫»ó´ãÀüÈ´Â 1-888-510-ZERO (9376) ¶Ç´Â 647-560-HOPE (4673); ºü¸¥ À̸ÞÀÏ »ó´ãÀº sjung@zero-debtcanada.com ´õ ÀÚ¼¼ÇÑ Á¤º¸´Â ÀúÈñ À¥»çÀÌÆ® www.zero-debtcanada.com www.4debtors.ca www.facebook.com/ZeroDebtCanada ¸¦ ¹æ¹®ÇØÁÖ¼¼¿ä.
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»ó±âÀÇ º»¹®Àº ÀϹÝÀûÀÎ ±³À° ¸ñÀûÀ¸·Î¸¸ Á¦°øµÇ¾úÀ¸¸ç ¹ýÀû Á¶¾ðÀÌ ¾Æ´Õ´Ï´Ù.
º»ÀÎÀÇ »óȲ¿¡ ¸Â´Â ±¸Ã¼Àû Á¶¾ðÀ» ¹Þ±â À§Çؼ´Â ¹Ýµå½Ã »çÀü ¼±ÀÓ retainer ¸¦ ÅëÇØ¼ »ó´ãÀ» ÇϽñ⠹ٶø´Ï´Ù.
Disclaimer: This is not intended as legal advice. This is offered for informational purposes only.
¹ý¹«»ç SUNNIE JUNG Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada.com
1.888.510.ZERO (9376) | 647.560.HOPE (4673) | www.zero-debtcanada.com | www.facebook.com/ZeroDebtCanada | www.4debtors.ca
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