Comments on: What a Collection Agency in Canada Cannot Do

By: Lori

Tue, 06 Feb 2018 22:45:00 +0000

My daughter was evicted from her apartment in Dec of 2016. and as I cosigned the came to me to cover her debt. I have never received any documents outlining what I owe for. so i told them what I believe, that i don’t owe because her tenency was over, and they told be that at that point I would no longer be responsible for her debts. So in Dec. of 2017 I got a call from a credit agent saying that if i didn’t pay up it would hurt my credit rating. I said the debt was in dispute, i have never recieved any documents, and i won’t pay until i do so I can dispute it if i am correct. three days later they reported to equifax. and have added more than 80% in interest to the amount they quoted me. What is my recourse? I do not have money for a lawyer. but am trying to improve my credit. this forced my credit down by 75 points 🙁

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By: Frank Goulais

Tue, 30 Jan 2018 14:32:00 +0000

I went bankrupt in 2014 in Ontario with a bankruptcy trustee and to make a long story short,I still owed my creditors $2000.00 which was a share of my money I receive from a payout from a company I worked for.So I offered the trustee $50.00 a month to pay off that money owed to them,because I could not pay anymore than that.After six payments to the trustee they returned all my remaining cheques and told me I would have to pay the full amount or I wouldn’t get my clearance from my bankruptcy.Now one credit collection agency is already calling me about my outstanding loan with a company that I owed money to. The trustee told me this could happen.I have not replyed to this collection agency yet.Any help would be appreciated.

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By: Alexis Park

Tue, 17 Oct 2017 19:48:00 +0000

I havent had a working cellphone in about 4 months so they havr not been able to reach me via phone, and today I received the red letter from CBV for an outstanding rogers bill from 2014. This letter offers a 40% reduction of a balance higher than the actual debt i owed Rogers and they’re demanding payment in full within five days from the day I received this letter, or they will take me to court for full amount. I seriously do not have $600.00 just laying around, so that payment in full is not a possibility. Currently I am strapped staying on top of current “adult bills” and responsibilities. Do I make a payment plan? Write them a letter? They seriously going to sue me for under 1,000.00? I was already told by rogers it’s a writeoff with debt owing, so can this not wait until the new year, as it’s already on my credit. Also, I heard CBV can’t actually report on your credit because I do not have a contract with them? I do not even want to talk to these people as they’re mean as fuck. I know they’re snakes and lying and not out for my best interest so I can’t trust Anything they say 🙁 should I just start mailing them small money orders?

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By: Credit Collections

Thu, 10 Aug 2017 22:49:55 +0000

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By: floyd

Fri, 12 May 2017 08:42:00 +0000

I have not paid any debt I owed since 2012. A collection agency has been hounding me for a long time (CBB collections) and in the last week an automated call stating that a law firm is mandated to collect the debt. What are my options. Thank you

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By: Curious Cat

Thu, 04 May 2017 04:57:00 +0000

Hello Adrian, and thank you so much for your post! Very useful and informative 🙂

I am currently in the process of trying to wrap my head around how one might presently navigate dealing with creditors still calling and hounding for debts that ceased to be paid– and have not again been engaged/acknowledged– since the Spring of 2013 (ex. a Visa and a Line of Credit, both with the same institution), and am curious if you might be able to please guide my understanding.

Firstly, if the correct term is “defaulting” (when a person ceases to make payments on their debts to their original creditor, in this example a financial institution), I’m wondering, for example, if the “default” occurred in the Spring of 2013, shortly before the change to the Statute of Limitations in British Columbia that took place on June 1st, 2013 if the limitation period would remain 6 years, become 2 years, or have a special transition rule?

Furthermore, (whether the limitation period is complete or active depending on if it remained 6 years, or has shifted to 2 years under the new Act) how might one go about getting current creditors to cease their phone contact/all contact without acknowledging the debt?

Finally, if one was to wait out the 6-7 year credit report period, would the debt literally be “dropped”, or does it remain “dormant” (i.e. if it were to ever be acknowledged and “restart” the SOL) until the Ultimate Limitation Period has passed? And do you have any useful links/resources on how one might navigate that process/rebuild their credit going that route?

Thank you so much for your time, feedback, and guidance!

All the Best,

Curious Cat

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By: Mr. Nobody

Wed, 03 May 2017 23:18:00 +0000

I’ve been getting letters lately from a creditor trying to claim a debt when I was in high school some 20 years ago. I have never acknowledged or made a payment towards this debt but they keep persisting. I believe through different collectors.

Do the laws simply state they cannot garnish your wages or sue for restitutions but still permit them to send letters/phone calls trying to claim? I was and still am under the impression that a debt if not successfully claimed after 7 years, it gets expunged from your records.

The most recent letter is offering me a big 75% discount on the debt. It’s still a substantial amount given the number of years of interest build up but what annoys me the most are the phone calls.

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By: Harry Nic

Wed, 05 Apr 2017 20:40:00 +0000

Is the city a collection agency ??
Just happened to a relative…
In late 2010 step daughter and her boyfriend and new baby left the province. Had been renting an appartment under step daughter’s name. Bills being handled by boyfriend as step daughter stopped working to have the baby.
She returned to the province and same city two years ago without the boyfriend. Rented an apartment, and obtained utilities from the same city. She moved once, transferred utilities no problems. At all times using the same name. Always paid her utilities.
Last Friday she gets a letter from the city, she owes $320 +/- for unpaid utilities for apartment vacated in 2010 and if she doesn’t pay within 3 weeks, her current (completely paid for, always paid on time) utilities will be cut off.
She attends city hall the first day available and finds out that the city made the apartment owner pay the unpaid utilities of $190 back in 2010. They are collecting the debt for him.
OK, no argument she owes somebody something, the question is ….
The city has been dealing with her currently in the same name that they had the bad debt in, for two years. She had no idea about the outstanding $. Should she be assessed the interest for those two years that the city could have advised her but didn’t ?
It would appear that she owes her former landlord money and the city has taken up the position of debt collector, since the city was paid by the landlord/property owner.
By what right can they threaten to cut off her current utilities ? If utilities were unpaid, even from 2010, perhaps, but the city has been paid.
Thoughts ?

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By: Kathy

Sat, 01 Apr 2017 17:29:00 +0000

Hi
I have recently notice that a collection agency has reported a non payment on my credit report
I believe this is a debt I had with Bell Canada which I disputed back in 2012. Can I get this removed or am I going to have to wait for 6 years?

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Fri, 17 Feb 2017 11:09:00 +0000

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