{"id":5267,"date":"2014-07-21T09:19:30","date_gmt":"2014-07-21T16:19:30","guid":{"rendered":"https:\/\/www.sands-trustee.com\/?p=5267"},"modified":"2025-09-08T09:44:29","modified_gmt":"2025-09-08T16:44:29","slug":"statute-limitations-debts-bc","status":"publish","type":"post","link":"https:\/\/www.sands-trustee.com\/blog\/statute-limitations-debts-bc\/","title":{"rendered":"Statute of Limitations and Debts in BC"},"content":{"rendered":"\n<p>A group of debt experts from across the country including Blair Mantin, President and Licensed Insolvency Trustee at Sands &amp; Associates in British Columbia, spoke with CanadaCreditCards.com to help shed light on the varying limitation periods of consumer debt across Canada.<\/p>\n\n\n\n<p>The statute of limitations bars creditors from legally attempting to collect on an unsecured debt after a certain limitation period \u2013 these limitation periods are not the same in each province. For example, Alberta, British Columbia, Ontario and Saskatchewan have a basic two-year limitation period; in Quebec it\u2019s three years; everywhere else in Canada has a six-year limitation period.<\/p>\n\n\n\n\n            <div class=\"background-block-wrapper blue\">\n            <div class=\"container\">\n                <div class=\"cols gap\">\n                                        <div class=\"col col-75\">\n    \n\n\n\n<p><strong>Did you know that the statute of limitations for debts in BC is only two years?<\/strong>\u00a0<a href=\"https:\/\/www.sands-trustee.com\/blog\/overview-bcs-statute-limitations-debt\/\">Read an Overview of BC\u2019s Statute of Limitations on Debt<\/a>\u00a0and gain insights and information about how this limitation period could affect you and your debt.<\/p>\n\n\n\n            <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n    \n\n\n\n\n<p>While the statute of limitations essentially makes it illegal for a (non-government) creditor to demand payment from you after a certain amount of time, the rules can get complicated. For instance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.sands-trustee.com\/blog\/having-government-debts-forgiven\/\">Government debt collection<\/a> is exempt (meaning the statute doesn\u2019t apply to debts like taxes or student loans).<\/li>\n\n\n\n<li>In some provinces the limitation period winds up being reset if the consumer makes a payment or acknowledges the debt in writing. Because of this clause, collection agencies may try to \u201ctrick\u201d people into admitting the debt and restarting the limitation periods.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/07\/CanStatueofLimitationsEraseYourDebt-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u201cCan the Statute of Limitations Erase Your Debt?\u201d \u2013 Read the Full Article<\/a><\/p>\n\n\n\n<p>Consumers who may be considering relying on the statute of limitations as a course of action to deal with their debts, or exploring other debt solutions, are encouraged to connect with a local Licensed Insolvency Trustee in their province to learn about all their debt options confidentially, at no cost.<\/p>\n\n\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient gradient-teal\" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life.<\/p>\n            <a href=\"\/free-debt-consultation\/\" class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A group of debt experts from across the country including Blair Mantin, President and Licensed Insolvency Trustee at Sands &amp; Associates in British Columbia, spoke with CanadaCreditCards.com to help shed light on the varying limitation periods of consumer debt across Canada. The statute of limitations bars creditors from legally attempting to collect on an unsecured [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":6437,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[259,263,260],"tags":[38,39,74,128,37,117,50,47,42,35,127],"class_list":["post-5267","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt-consolidation-counselling","category-expert-debt-advice","category-in-the-media","tag-bankruptcy-bc","tag-bankruptcy-trustees","tag-bc-debt","tag-bc-debt-statute","tag-consumer-proposals","tag-credit-counselling","tag-debt","tag-debt-collector","tag-debt-settlement","tag-sands-associates","tag-statute-of-limitations"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ 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