Rogers' outage Friday ranged from minor annoyances for some to major disruptions for others and many small businesses. So what are you owed? Here's what we know.

The laws regulating collection agencies in Canada need reform, including a requirement that debt collection calls be recorded, says Ottawa's Public Interest Advocacy Centre (PIAC).

With Canadian borrowers running up record debt loads, advocacy group wants new rules to guard against 'aggressive and threatening' collection tactics.