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# If you are unable to negotiate a repayment plan with the debt collector, see the section of this Guide entitled, "[[I don't have enough money to pay my debts]]."
# If a debt collector is using unreasonable debt collection methods, including insisting on a payment when they know you are living in poverty, <span class="noglossary">contact</span> [[Consumer Protection BC]] by:
:*filing a [https://www.consumerprotectionbc.ca/consumers-debt-collection/how-to-make-a-complaint/debt-collection complaint form], or:*calling 1-888-564-9963 (ask to speak with the Complaints Manager about the collection agency you are dealing with).
== What happens next ==