I was contacted by KSI Law Collections about an old account that is past the legal time limit for collection in Ontario. During our conversations, I was told things like “we’re going to take you to court” and “you’ll be sued soon.”After checking with Ontario’s Limitations Act, I learned that collectors can’t start legal action once the two-year limitation period has expired. I found these statements to be misleading and concerning, and I’ve reported the situation to Consumer Protection Ontario.If you’re contacted about an older debt, make sure to check your rights and the limitation period before responding.
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