I would not them scare you and they will not take you to court.

Thanks so much! I tried calling today to speak to the manager so I can get someone id number as I'm trying to make a case against them. The last phone call that was made to me she told me to go ##$$#@ myself and now all of the sudden the recording message has disappeared? All I asked was for them to wait until I recieve my stuff in the mail from exquifax so I can consolidate. But they refused they even refused a payment of $40.00 can they do that? So now they said they are going to take me to court and have my wages garnished....I told them I'm a single girl living on my own and cant afford that and if they arent willing to wait than I'm going to have to claim bankruptcy cause I wont have any other choice......but they refused. Mean ol buggers!

Ontario
Brian Pitkin, CD
Registrar of Collection Agencies
5775 Yonge Street, Suite 1500
Toronto, ON M7A 2E5
Fax: (416) 326-8665
e-mail: brian.pitkin@ontario.ca

Freeland Manchester
Compliance Officer
Office of the Ontario Registrar of Collection Agencies
5775 Yonge Street, Suite 1500
Toronto, ON M7A 2E5
Fax: (416) 326-8665
freeland.manchester@ontario.ca

Does anyone know where or who you can put in a complaint regarding harrassment calls? This company has continued to call my work number, harrassing my poor co workers and give them confidentiality information about me.
They are awful company, not willing to negotiate, they wanted me to take the settlement and when I said no I cant do they are now stating they are going to take me to court to start garnishing my wages. Does anyways know how much they can garnish up too?

I find the creditors do not re-date the date of last activity, it's the collection agencies that do it when they input their information and they know the item is ready to fall off. I believe the creditor should be the only one allowed to input their information in your credit file unless they sold the debt.

Selling the debt does not in anyway impact either the SoL or the date of last activity. Collection Agencies claim it does as an excuse to re-date debt but they know they can't and that all they are doing is trying to annoy / extort payment of a non-collectible debt.

I'm currently in the process of suing a collection agency for willfully engaging in such practices. It is actually quite appalling how much re-dating happens in Canada and with both Equifax's and TransUnion's implicit consent. I would never recommend that someone pay a debt in such a situation. File a complaint with the Registrar for your particular province and if the collection agency is particularly evil just sue them. What they are doing is a clear violation of the Collection Agencies Act and they know it. They just assume that people with credit issues don't have the resources to do anything about it.

Also as much as I hate to give Equifax any money as they are as much part of the problem as collection agencies I would sign up for Credit Watch if there is any concern of collection agency doing something like this. $13/month is worth having same day notice of anyone doing anything with your credit. It is just unfortunate that the funds will go to Equifax.

Creditors have ways of continuing the SOL by reselling the account. If you owe the debt you should pay it. Set up payment arrangements on condition that is be removed. But since the SOL is up, you could just dispute it to the credit bureaus and hope they don't bug you anymore. Good luck.

And you get your credit score on the purchased version which doesn't appear on the free one.

The paper version is free but for $20 you can find out right now rather than in three weeks.

I have filled out the form and will mail it to equifax today.

I don't know if they have or have not re-dated it, but it sounds like it's a common practice of theirs.

The last three phone calls they've made to me I've managed to get them to hang up on me at least.