21. (1) No collection agency or collector shall demand payment or otherwise attempt to collect payment of a debt from a debtor or in any other way contact the debtor before the sixth day after sending a notice described in subsection (2), except as permitted under subsection (3), section 21.1 or 21.2. O. Reg. 460/17, s. 11. (2) The notice shall be a private written notice to the debtor setting out the following information: 1. The name of the creditor to whom the debt is owed and, if different, the name of the creditor to whom the debt was originally owed. 2. The type of financial or other product that incurred the debt, described in sufficient detail to distinguish among different products offered by the same creditor. 3. The amount of the debt on the date it was first due and payable and, if different, the amount currently owing. 4. The statement that the collection agency will provide a breakdown of the current amount owing, if requested. 5. The following mandatory statement: “Should you have any questions or would like further information regarding the current amount of your debt or the amount of your debt when it was first due and payable and, if applicable, would like a breakdown of the difference between those amounts, please contact our office at the number below as this information is available upon request.” 6. The identity of the collection agency and collector who are demanding payment of the debt. 7. The authority of the collection agency to demand payment of the debt. 8. The information that if the debtor notifies the collection agency or collector that a particular method of communication causes the debtor to incur costs, or if the collection agency or collector otherwise becomes aware of that fact, the collection agency and collector are prohibited from subsequently contacting or attempting to contact the debtor using that method of communication. 9. The contact information of the collection agency, including the full mailing address and toll-free telephone number and, where available, e-mail address and fax number. O. Reg. 460/17, s. 11. (3) Despite subsection (1), a written demand for payment may be included with the written notice. O. Reg. 460/17, s. 11. (4) The written notice may be sent by ordinary mail or by e-mail, except where the debtor has withdrawn his or her consent to the use of e-mail and provided a current address for ordinary mail. O. Reg. 460/17, s. 11. (5) If a debtor states to a collection agency or collector that the debtor has not received the written notice, the collection agency or collector shall resend the notice to the debtor at the address provided by the debtor, and no demand for payment or other attempt to collect payment of the debt shall subsequently be made until the sixth day after the day the notice is resent. O. Reg. 460/17, s. 11. (6) A collection agency is required to resend the notice under subsection (5) only one time. O. Reg. 460/17, s. 11. (7) No collection agency shall report a debt to a consumer reporting agency until the time period referenced in subsection (1) or (5) has elapsed, whichever is later. O. Reg. 460/17, s. 11. (8) Despite subsection (7), a collection agency may report a debt to a consumer reporting agency if it makes at least two attempts, or such greater number of attempts as is reasonable, to locate the debtor’s address to which to send the notice required by subsection (1), and is unable to locate it. O. Reg. 460/17, s. 11.