I am a collector for an American company .You have your release letter and they can't recover the balance. why? b/c your balance is zero, and your account is settled in full.

As I mentioned in an earlier post... contact Consumer Protection... Ontario Justice... They'll have the names and addresses of all collection agencies and collection agents in Ontario.

Did you get a letter of settlement from the creditor when you settled it? If you have a letter stating that the creditor or collection agency agreed to the settlement then you should be okay... Otherwise, if you made a verbal deal you might be out of luck...

ALWAYS get things in writing before settling or paying anything with creditors and/or collection agencies.

I'm a canadian soldier serving over seas and did have an outstanding debt with TD VISA. I have paid if off through Palmer and Boccia. I have a letter of release from the lawer. This has been paid off now for 8 months. Now iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency has been Harrasing my wife. They've been leaving the same stupid messages that everyone else is complaining about as well. My wife is at home with our son and took 3 days before she got a live "human" on the phone. she explained that I was deployed with the army but would be willing to settle the debt if we could find out what the debt is about. without asking if she has power of attourney, or anything along that lines they start yelling at her over the phone saying "everyone says that!" they flat out called her a liar and hung up on her. when she called back they picked up she asked who she was speaking with and they hung up again. I've since been in touche with iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency and found out that they're after $878 that I owe TD VISA??? The numbers don't even match! I owed $1478 originaly, and had some interest knocked off by the lawyer. Paid $900 over 2 payments. I've had my wife fax the letter of release, to iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency at talked to the supervisor who took his sweet time telling me his name. went around in circles telling him to "stop calling my wife, you have the release from Palmer Boccia!" His reply was that the phone calls would not stop untill we settled the account of $878. Does anyone know where this guy works out of? I'm not getting anywhere with the Police so maybe its time to deliver the release letter by "hand" sometimes leagal doesn't get the message accross.