If you’re being overwhelmed by collection calls, you may be wondering:

“Will the calls finally stop?”

The good news: Yes, legally, they must stop.

The Stay of Proceedings

When you file a Consumer Proposal:

A legal protection called a Stay of Proceedings takes effect immediately.

This means creditors must stop:

Collection calls
Collection letters
Wage garnishments
Legal actions
Bank account freezes

Does This Apply to All Creditors?

It applies to most unsecured creditors included in the proposal.

However, secured creditors (like mortgage lenders) can still enforce their rights if payments are missed.

What If a Creditor Keeps Calling?

Occasionally, a creditor may not have updated their records yet.

If that happens:

Inform them you have filed
Provide your Trustee’s information
Contact your Trustee for assistance

They will handle it.

Immediate Relief Is One of the Biggest Benefits

For many Canadians, stopping collection pressure is the most immediate emotional relief.

The process is designed to:

Provide breathing room
Create structure
Allow financial recovery

Peace of Mind Matters

Debt relief is not just about numbers, it’s about stability.

If creditor harassment is affecting your daily life, it may be time to explore your options.

Disclaimer: This article is for informational purposes only and does not constitute legal advice.