How long can a debt collector chase me in BC?
In BC, most unsecured debts (like credit cards, personal loans, and lines of credit) have a limitation period of 2 years. This means creditors have 2 years from the date of your last payment or written acknowledgement of the debt to sue you in court.
After 2 years, they can no longer take legal action, but they may still call you to try to collect. Be careful: making a small payment or admitting the debt in writing resets the 2-year period. Learn more at People’s Law School (opens in a new tab).
Others found these helpful...
- Consumer Protection BC (opens in a new tab)
This government agency is the regulator for specific types of consumer transactions in BC.
- Peoples Law School (opens in a new tab)
The PLS website provides helpful information about consumer law and debt issues.
- Clicklaw (opens in a new tab)
Clicklaw provides helpful information about consumer law, debt, taxes and finances.
- BC Civil Resolution Tribunal (opens in a new tab)
The Solution Explorer on the CRT website provides free legal information and self-help tools that enable people to address disputes for up to $5000.