Monty Why is it the worst thing to not talk to collection Agencies? I thought that by talking to them I would be giving away information?

Monty Why is it the worst thing to not talk to collection Agencies? I thought that by talking to them I would be giving away information?

from what agency was that to come to your house..Dude would be in the hospital if he ever showed up at my door!!!

recently a collection agent came to my property and when i wasnt there approached anieghbour and ask the nieghbour to give me a message

Are these people allowed to come to your house

Collection Agency does-------------------------- You do

1) Make harrassing calls ---------------Tape Record calls as evidence

2) Try to spoil your credit rating--------- Inform credit rating companies

3) Threat they are not authorised---------Inform government for penalty

4) Threat of offensive nature--------------- File a police complaint

5) Garnish wage without taking to court ----Inform government for penalty

6) Contact on your cell phone --------- Complain to govt for time cost

7) Ask for partial payment ------------- Accept only written letters

8) Send you court notice ---------------- File statement of defence.

Thank you for your reply.

My issue here, is that I have tried dealing with the collection agency and they refuse to work with me. I owe the money to AMEX, but since they have handed this over to the collection agency, my account is closed with them (I called AMEX about the collection agency and they told me it is out of their hands once it is turned over to a collection agency).

So, my next step concerning the harrassement is to file a complaint to the government. This does not solve my problem with trying to work with the collection agency.

This has only been going on for a month. I have made one (obviously insignificant) payment. As far as they are concerned, this is not enough, and they want the whole $7,700 in one shot. A lot more money than I make, that's for sure.

I do not agree with you however, that the courts will favor the collection agency over me. My documentation has proven time and time again, that I have tried to work with them, but they will not listen to me.

By the way....do you work for a collection agency? It sounds like you might, based on your response to my posting.

The first things to remember are

1) you have rights in this matter
2) you still owe the debt

Unfortunately, the laws are on the side of the creditor, when you've signed a contract for debt with them. If they've hired a lawyer, or have an inhouse lawyer, that means that the debt is substantial enough for them to sue on.

If they sue you and garnish your wages, you'll have to pay a certain amount to the collection agency / original creditor.

If they've got you in the cross hairs, they're probably pretty serious about collecting.

I've got a lot of answers regarding , credit bureaus, collection agencies, creditors and your rights in my Credit Repair Ebook for Canadians.

I would recommend that you start finding out the worst that could happen in this situation.

I would also recommend that you open up a dialogue with the creditor and start talking to them. The worst thing to do is not communicate. That just suggests to the creditor that you're a "dead beat", as they say in their terminology.

Another option is to offer to settle the debt for a fraction of the owed amount. IF they're hiring a lawyer, the lawyer doesn't work for free.

Bottom line, by finding out the worst that can happen you'll know what to expect should the creditors decide to sue you. The courts will usually rule in their favor unless you can prove that the creditors did something outside of the contract.

My ebook is a good investment to learn how the system works and how to work in this situation as well as stay safe from here on in.

Well, I sent a registered letter with everything documented. I mean, phone calls they made, where I tried to talk to them but they wouldn't listen, letters that were sent to my home and work address, and the one payment (although very small) that I made. I sent it by registered mail. They turned around and had a lawyer send me a letter saying that if I did not pay up the $7,700 that I owed, they would garnish my wages.

Well if I had that kind of money, I wouldn't be in collections. I tried to talk to them about a payment plan but the last person I spoke with told me there were no payment plans.

If they garnish my wages, I will not be able to make payments on my car, and it will be repossed. No car = no job = no money - collection agency can kiss my ass because then I won't have any money.

Now what do I do? I'm desperate. I tried to get a consolidation loan but I couldn't get one. I can make minimal payments, but I can't fork over hundreds of $ a month to them. It will absolutely destroy me.

Where do I go from here? This lawyer seems to be the same cold hearted people that are at the agency. These people are pure evil. I'm willing to work with them but they won't give me the time of day. It's like, either you pay all the money you owe in one chunk or we make your life a living hell. Where do they get these people from. All I can do is pray to God for some answers. If I listen hard enough, the answers will come, but what do I do in the meantime?

Help!!! I am so stressed out by all of this.

Best thing to do is start writing letters. Letters of complaint... letters or inquiry.

Copying the letters to goverment regulatory agencies means that the collection agencies have to answer to you AND the regulatory agencies.

Has anyone had any dealing with this agency? I am being harrased and would like to know what to do. I do not have an issue with setting up a payment plan. What I do have an issue with is no one who has called me is willing to listen to me.