It appears that some of the folks posting here are starting to get some success with collection agencies in Canada. These people are getting a much needed feeling of control when dealing with collection agencies.

Some things to remember is that any dealings and relationships take time to develop. It takes time to resolve problems with collection agencies who are collecting you.

A problem that I have with collection agencies is that they call you up and expect immediate results. To that I say ... NO.

If a collection agency calls up, the first thing to do is step back and get calm and collected. You don't know who that person really is. You don't know why they're calling. You don't know if they've got authorization to call you.

You don't know if they're acting within the provincial laws and federal laws. This is an interesting point. It's unreasonable for a collection agency to expect you to know the laws related to collection agencies. But that's what they're doing when they call you up and expect you to respond immediately to them.

You have every right to take time to learn the laws with relation to collection agencies , and the collection agencies should be willing to give you that time.

Just saying that puts you into control of the conversation. Tell the collection agent, "I'm sorry, I would like to speak with you more but I don't fully understand my rights, and the laws related to this phone call. I'll have to do some research before I speak to you further." This is completely valid and legitimate and gives you some controlled breathing room.

In the mean time, I am excited to hear about more and more successes from people who have better dealt with collection agencies from information they've read on
www.canadian-money-advisor.ca

Canadian Money Advisor
Money Adviser Canada