MJR and Joel Miskin, we have our supermario brothers again. In your case it's definitely a bluff. It makes you feel that they're going to sue, which they can't, and hope that you don't know anything about SOL and scare you to pay. By doing so they've already broken the law, in which states that they can't say they're going to sue when they don't intend to and know they can't.

You have to know that if it's really stats barred, they can't even file a suit. That's why I'm telling you to gather the documents that support your position right now. Once you have them, tell them to leave you alone or you'll file a formal complaint to Consumer Protection regarding their harrassment.

They have not sent a document...(a statement of claim).....it is a copy of the paper they say they are going to file with the court. This paper came with a letter from Joel Miskin who says he is a solicitor representing MJR.
I am ABSOLUTELY sure this is stats barred.

It seems they are going to try to sue me anyway. He respectfully urges me to call to stop or delay the proceedings....to determine if a resolution is possible.

My name is on the account.........that's all they need.

Do you have any document(s) proving the last day of activity? What kind of document did they send you? Well if it's been 7 years, don't worry about it at all as they CAN'T even initiate a lawsuit. A letter from their "legal dept" is totally a bluff. If they are suing, they're gonna send you a lawyer letter, not from a "legal dept".

Continue to try to find documents that support your position. Once you find them, then call the agency to tell them it's already stats barred and leave you alone. At this point, they really can do nothing about it but to harrass and threaten you hoping that you would fall for it and pay.

Guys, can her credit report be a proof??

Ok...so it has been a week since the phone calls. I have received a letter in the mail ....again from the legal dept. This one states that they are taking legal action. They sent a copy of a document they say they are going to file. Am I still being played or am I about to be screwed....sued. Do I continue to ignore them or should I call them. I am absolutely sure about the dates........it has been 7 years. Still can't find the ex.

Of course they won't sue her. The debt's stats barred already! Am I missing something here maybe? Why all these long conversations?

Marie, DO NOT make any payment at all. Just simply tell them it's stats barred and they can go ahead to sue you which they can't. Then if they call again, tell them to *beep* off.

Marie, the reason they probably didn't call you back again after the supervisor called you was because they expired the "3 contacts per 7 days" rule. Of course, it will not be documented that they called you this many times, but you are no doubt dealing with a junior collector who likes to "follow up" with token payments of $100 and end up pissing the hell out of the debtors to the point that they refuse to deal with it anymore. Then, they will have senior collectors or supervisors "double" the call to try and calm you down and make an arrangement with you.

I'll let you know this, I've personally dealt with MJR in the past for a Canadian Tire mastercard. This agency has a munch of morons who don't know how to collect money. They pussyfooted around my account because they knew I was a collector but did have the nerve to call me if my internet banking payment was a few days late. Even with me paying $300 a month (in "token payments") they still had junior collectors on the dialer call me and leave voice mails at home, on the cell and at home to call back. Once I did, all I got was, "I see your payment was made, are we going to be paying in full soon?"

I'll tell you even as a collector, their agency is garbage and don't know how to train their collectors properly, and I truly do not blame you for being frustrated with their garbage.

Marie, they are not going to sue you. You didn't hear Joel Miskens name once in a conversation, and just heard "legal department" a ton of times. If you want, play back with them. Tell them to go fly a kite and have Joel personally call you. Tell them that they are in violation of the 3 contacts per week. OR, if you don't want to deal with them on the phone any more, don't answer their calls. If it's the collector calling you, MJR Collections will show up on your call display. If it's unlisted, it's because it's their dialer. Send them a simple letter telling them until you get your situation straightened out, you are sending them a cease and desist and will make a payment arrangement via registered mail only or you can inform them that you are locating your separation papers to prove the debt was transfered to him by the courts. Unless someone else has MJR's fax number, I can get you one.

Ha! Ha!, I love it. Which MJR office is bugging you? The one on Telford Way in Mississauga? In any event, getting collection agencies to stop bugging you is easy, especially since the debt is stats barred.

They're just razzing you. MJR is actually one of the softer collection agency outfits around. But even the softer financial pit bulls quickly know when they've found someone soft skinned like yourself. Sort of like "LadyIsis" from a previous thread.

But even pitbulls sometimes run into those who don't have a soft skin like the poor fellow below.