The solicitor for Common Collection Agency Inc. (CCA) is Joel Miskin and has his office in the same building as CCA. It is at 11 Progress Ave Suite 203, in Scarborough.

I have found his letter very threatening. He has indicated that I "have not adequately delt with the matter" of paying my debt and my file was delivered to him for further action. I wonder if he received the 11 page documentation that I sent to CAA by registered mail This include all of the harrassing phone calls, letters my payment to date and my, many many times, trying to talk with these people to set up some sort of payment schedule.

Do I take his letter seriously? He urges that I pay the balance outstanding ($7,700) within 10 days to the date of this letter.

He has also indicated that he could garnish my wages, and sell my property (which is mortaged by a bank, which means he can't touch it).

How do I deal with him? If I had that kind of money, I would certainly have paid it to AMEX, the original debtor, and not have gone to collections.

What do I do next?