Collection Agencies - Out of the country for 3 1/2 years, returned to collection letter from Rogers's lawyer - Canada

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RE: Out of the country for 3 1/2 years, returned to collection letter from Rogers's lawyer

Postby CICA-Team » Sat Apr 16, 2011 03:04:20 PM

Hey,

They will not go after you for $ 300.00 , the court application itself will cost like $ 75.00 :)

Your best bet is just saving money, until you get like $ 200.00 and the settle.

Just make sure when you settle you get a written contract from them.

Hope this helps...

All the best!

"The information provided is for educational purposes only and does not constitute legal advise of any kind. Please seek advice legal agency or qualified professional."
Dan S. Canadian Insolvency & Credit Alliance Consumer Proposal File-Bankruptcy Debt Settlement Home Refinancing
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RE: Out of the country for 3 1/2 years, returned to collection letter from Rogers's lawyer

Postby average_joe » Fri Apr 01, 2011 01:25:59 PM

The statute of limitation in Quebec is three years. Is the account showing on your credit file? I would check with both credit bureaus. If you know how to negotiate they will accept 50%.When they accept; make sure you get a settlement agreement before you hand over your money.

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Out of the country for 3 1/2 years, returned to collection letter from Rogers's lawyer

Postby curiousgirl » Fri Apr 01, 2011 11:17:49 AM

Hi everyone, it's my first post in this forum. Hope you can help me!

I was outside the country for 3 1/2 years. Have just returned to Canada. A friend passed on my mail. In it I found a letter from lawyer Richard Lavoie, claiming to represent Rogers. It claims that I owe about 300$ to Rogers, and that because I didn't pay, and that I didn't respond to collections from Global Credit and communications, It claims I have 10 days to respond or they will institute legal proceedings against me. This is from February, but I just received it now. I didn't receive any other letters about this, but it's possible they were lost, as some of my other mail got lost while I was away.

What should I do? I thought I had settled all my accounts before leaving, but it's possible a bill might have gotten overlooked before I left. However, I've just returned to the country, and am not in the best financial position at the moment, so I also don't have the money to give them. As well, before I would even consider paying this, I would want to see the detailed bill from Rogers that they claim I didn't pay, as it was very common in my dealings with them that they overcharged or made mistakes on the bill (always in their favor of course), that I then would have to waste time calling them to fix.

Is this debt collectible under the Statute of Limitations for Quebec? I believe I signed up for the phone in Ontario while I was at university, but later moved to Quebec. My last payment on the account would have been in November 2007. I don't want to ruin my credit. What is the best way to deal with this?

I signed up for a new mobile when I arrived to Canada. A few days after, I received a weird automated call that asked me to hold. I had no idea what it was so I hung up, but now reading this forum, perhaps it was a collection agency that was alerted of my new number? Creepy!

Any information on how to best deal with this situation is appreciated. Thank you in advance!
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