22. (1) If a debtor sends a collection agency or collector, by verifiable means, including personal service, certified mail, courier, facsimile or e-mail, a notice stating that the debtor disputes the debt and suggests that the matter be taken to court, the collection agency or collector shall not thereafter contact or attempt to contact the debtor, unless the debtor consents to or requests the contact.  O. Reg. 103/06, s. 2; O. Reg. 460/17, s. 12 (1). (2) If a debtor or his or her lawyer or licensed paralegal sends a collection agency, by verifiable means, including personal service, certified mail, courier, facsimile or e-mail, a notice requesting that the collection agency communicate only with the debtor’s lawyer or licensed paralegal, and setting out the lawyer or licensed paralegal’s address and telephone number, the collection agency or a collector shall not thereafter contact or attempt to contact the debtor other than through the debtor’s lawyer or licensed paralegal unless the debtor consents to or requests the contact. O. Reg. 309/14, s. 9; O. Reg. 460/17, s. 12 (2). (3) No collection agency or collector shall contact or attempt to contact the debtor’s spouse, a member of the debtor’s family or household, or a relative, neighbour, friend or acquaintance of the debtor unless, (a) the person being contacted has guaranteed to pay the debt and the contact is in respect of that guarantee; (b) the debtor has requested the collection agency or collector to discuss the debt with the person being contacted; or (c) the collection agency or collector does not have the debtor’s home address, personal telephone number or other contact information and the contact is for the sole purpose of obtaining the debtor’s home address, personal telephone number or other contact information.  O. Reg. 103/06, s. 2; O. Reg. 460/17, s. 13. (4) No collection agency or collector shall contact or attempt to contact the debtor’s employer unless, (a) the employer has guaranteed to pay the debt and the contact is in respect of that guarantee; (b) the debtor has given the collection agency or collector written authorization to contact the debtor’s employer; (c) the contact occurs only once and is for the sole purpose of confirming one or more of the debtor’s employment, the debtor’s business title and the debtor’s business address; or (d) the contact is in respect of payments pursuant to, (i) a wage assignment given to a credit union within the meaning of the Credit Unions and Caisses Populaires Act, 2020, or (ii) an order or judgment made by a court in favour of the collection agency or collector or of a creditor who is a client of the collection agency or collector.  O. Reg. 103/06, s. 2; O. Reg. 127/22, s. 2. (5) No collection agency or collector shall, (a) collect or attempt to collect a debt from a person who the collection agency or collector knows or reasonably ought to know is not liable for the debt; or (b) contact or attempt to contact a person for the purpose of collecting a debt if the person has informed the collection agency or collector that the person is not who the collection agency or collector intends to contact, unless the collection agency or collector first takes all reasonable precautions to ensure that the person is, in fact, who the collection agency or collector intends to contact.  O. Reg. 103/06, s. 2. (6) No collection agency or collector shall engage in conduct described in any of the following paragraphs with respect to the debtor, the debtor’s spouse, a member of the debtor’s family or household, a relative, neighbour, friend or acquaintance of the debtor, the debtor’s employer, a person who guaranteed the debt or a person mistakenly believed to be the debtor: 1. Make a telephone call or personal call at any of the following times, except at the request of the person being contacted: i. On a Sunday, other than between the hours of 1 p.m. and 5 p.m. local time of the place where the contact is being made. ii. On any day of the week other than a Sunday, between the hours of 9 p.m. and 7 a.m. local time of the place where the contact is being made. iii. Despite subparagraphs i and ii, on any holiday listed in subsection (7). 2. Contact the person more than three times in a seven-day period on behalf of the same creditor, subject to subsections (8) and (9). 3. Publish or threaten to publish the debtor’s failure to pay. 4. Use threatening, profane, intimidating or coercive language. 5. Use undue, excessive or unreasonable pressure. 6. Otherwise communicate in such a manner or with such frequency as to constitute harassment.  O. Reg. 103/06, s. 2. (7) For the purposes of subparagraph 1 iii of subsection (6), the following days are holidays: 1. New Year’s Day. 1.1 Family Day, being the third Monday in February. 2. Good Friday. 3.  Revoked:  O. Reg. 24/08, s. 5. 4. Victoria Day. 5. Canada Day. 6. Civic Holiday. 7. Labour Day. 8. Thanksgiving Day. 9.  Revoked:  O. Reg. 24/08, s. 5. 10. Christmas Day. 11. December 26. 12. Any day fixed as a holiday by proclamation of the Governor General or Lieutenant Governor.  O. Reg. 103/06, s. 2; O. Reg. 588/07, s. 1; O. Reg. 24/08, s. 5. (8) For the purposes of paragraph 2 of subsection (6), the following types of contact shall not be counted: 1. Contact made by ordinary mail. 2. Contact consented to or requested by the person being contacted. 3. Contact of a person other than the debtor where the purpose of the contact is to locate the debtor.  O. Reg. 103/06, s. 2. (9) The prohibition set out in paragraph 2 of subsection (6) does not apply to a collection agency or collector until such time that the collection agency or collector speaks with the person being contacted either in a telephone call or a personal call, but the prohibition applies thereafter.  O. Reg. 103/06, s. 2.