I have a question, how long before they write a debt off and stop bothering you

My wife just received one of the "Draft" seal letters. She was freaking, I searched the web for Natale. Guess what I found. I never deal with anyone I don't know before I Google them, often with "scam" in the search if need be, to get the real meat. GOOGLE/INTERNET IS YOUR FRIEND PEOPLE. I have saved my self so much grief Googling people who I was planning on dealing with.

On a side note I have to laugh at all the posts from people, aka collection agents, posing as regular people. "Pay your bills people". What about all those banks in the US who got the nearing trillion dollar bailout. Shouldn't the debtors stand by their own words?

Fact is most of us pay our bills responsibly. There are times that life throws a wrench in the mix and by the time you dig your way out, the wonderful banks have added so much interest on your account that it really seems unfair. My wife's debt has almost 300% interest added to it in only 4-5 years. Are you for real?

Perhaps if the banks dealt with us FAIRLY, look it up in the dictionary bankers, we may default less.

Furthermore every person reading this, no exceptions, have paid other people's debt. Who do you think eventually pays when someone goes bankrupt? So when you are having a truly hard time, should you really feel guilty.

Your best bet in dealing with creditors is change your number, or if you can't do that get a cell phone for important calls/new business and then do not answer any incomming long distance or as a matter of fact, any callers you don't know. I have had a couple creditors after me from a time when things were so bad I almost lost my house. I still have my house and things are better. Trust me, it has been 6-7 years, they can not touch you. Do you know as a commissioned collection caller how irritating it is to make calls all day and no one answers? It is the best defense. I have actually laughed at phone messages where they screamed, ANSWER YOUR PHONE.

How do you answer a fool...in silence...

It amazes me that we're still getting a ton of activity regarding deanna natale... in other threads

Hi! I feel bad for posting what seems to be an old post, but maybe my situation is similar to someone else, so i will explain ...
2 years ago, i was young and stupid enough to sign a contract with Rogers, which i haven't been able to pay. At this time(December 07), i was living at City#1. 3 months later, i moved to my parents house, and the following month, due to family reasons, i went to Germany until December 08. After that, I came back to Quebec with my boyfriend and we rent an appartment here now. Around May 09, i get a letter from a lawyer saying he's representing Global Credit(They tracked my new address?) and since i refused to make an agreement(I never got anything, since i was away, but if i did my parents would have told me) with them, if i refuse to answer this letter in the next 10 days and make an agreement for the 4000$ i owe Rogers, they would sue me. I am 22 years old, i don't know much about law and at this time i was very afraid and decided to contact this lawyer and make an agreement that i would pay 100$/month and sometimes more when i'm able to. That is what i'm doing since May 09. It happened one time that i sent a payment late because i worked crazy this summer and did not have time to go to the bank to make a certified check(that's the only payment form they would accept) but a kind lady called me, she was very polite and i told her that it was in the mail already(and she was speaking French, because she knew i did!) So...everything was fine until this morning when i've been awoken by the phone. I answer, and it's an answering machine(in English) telling me to press 9 or call back Global credit immediately because it's urgent. uuuhhh.... i press 9. Some person who could barely speak English answer me and asks me how i feel today. I say well i'm fine, and you? And he says i'm bad .... I ask him what it's all about and he asks me to wait. Then, it came through my head that this might be a scam. Otherwise i don't know why they would call me, in English(I mean.... most people in Quebec don't speak English, so if they had called someone else this person could be in shock and big stress right now) .... And since i though it could be a scam, i hung up. I have made all my payments until now, i did not fail one, so why would they call me and tell me he's feeling bad?? I've done what they wanted! I was too stressed after this to go back to bed, so i decided to call Global credit(I wanted to ask them if they really tried to contact me, to be sure it's not a scam) but i got an answering machine. So yeah, could someone explain this to me??

recieved a draft from natale for a credit card debt from 10 or more years ago not even on my credit report anymore writen off is what i remember and since then i have 4 credit cards with that same company i did call her office told her im not paying i felt that something was fishy and now after finding this post i was right she will be geting another phone call from me all right most collection people are scum they lie lie lie dirt bags that hope they can scare people it really is time to put a end to ther crap

Let me star by saying I'm glad that you didn't close this thread.

So I got a call from a collection agency yesterday. Now keep in mind I have been sick for the last couple of months with some strange ailment that the doctors haven't been able to diagnose makes me feel exhausted all the time or I would have been on top of this better than I was, (and before you ask, no it is not mono!)

So this guy asks for me and I confirm who I am, he proceeded to tell me that he is calling about an out standing student lone. Now I don't remember his name, I do remember that he didn't tell me who he worked for, (the first thing I should have nailed him for,) but after reading this thread and with the information this person gave me, I am fairly certain that the wonderful lady you all love talking about is still hard at work.

Now the back story. Over 10 years ago I decided to try college for a second time and so took out a student lone. After one semester I realized that it wasn't for me and quit to try to get a job. Unfortunately, I had no skills and the market was full of people in the same boat as me. Needless to say , I was unemployed for over a year and a half, as a student previously was ineligible for EI. With in the first year,my loan went to collections. After years of the same old threats and crap from those wonderful collection agents, (with them finding me where ever I was forced to move do to life's circumstances.) Let me note that this is the only company that ever contacted me. As I was saying, after years of crap from them, I get this wonderful fella who calls me up and doesn't threaten or any other crap and tells me that if I can pay a small portion of my loan by the end of the month my whole loan of $10k for 2 attempts at college would be written off. Like any one in my situation, i jumped on it, made my payment, got confirmation from them that it was all taken care of end of story. That was 6 or more years ago.

Back to yesterday. So this idiot is trying to say that I still owe for this student loan. I tell him that I took care of it all years ago. Keep in mind that my entire lone minus interest was $10 k, with interest it was just over $11k. So this idiot tells me that that was just the govt portion that the bank at the time had to assume a potion of the lone as part of there risk. So I tell this idiot that the other collection agency was collecting for the entire $10k loan and that there was no more loan owing. He once again tells me that that was just the govt portion, not the banks portion. So now I'm thinking yeah right, there is no way that after applying for and receiving $10k in loans fro the govt that the bank could charge me any extra other that interest and that was talked about by the first collection agency.

So I tell this idiot that he is full of crap and he continues to tell me that it is still out standing and that they have my signature on some paper agreeing to pay this. Now remember that I haven't been feeling well and didn't do the first things I should have. I didn't ask for proof of this loan and documentation that he talked about and I didn't ask for proof of his license and his company's license to collect in my province.

So then I ask this idiot why I haven't heard fro them before? He says that they have been trying to reach me for years and that the last time was in February of 2007 by mail. Sound familiar?? So I asked him what address he had for me? He gave me my parents address, the same one they have had for over 30 yrs. Granted in 2007 they were renting out there house when they were working for my uncle in another province, but other than that year, every thing that was ever sent to me at there address was always given to me. So now I'm thinking this wasn't the last time you tried to get a hold of me, it was the first and only time, not counting this phone call.

So I asked how much do I supposedly owe? He told me with interest, over $7.5k. So now I laugh at him. Like I said earlier, I owed $10k in loans which the first company was collecting on. But for argument sake lets say the bank did assume some risk. The most it could be is like $1k. So knowing that once a loan goes to collections in this province, they can't charge any more interest and knowing that by the end of the first year it was already in collections, doing the math, that means that I was dumb enough, and my parents were dumb enough to let me sign a loan contract promising to pay back a loan at over 600% interest. Nice try. Thats exactly what I told him, “Nice try.” I then told him I wasn't paying any thing.

Now come the threats. He asked if I owned a house or property. I rent so I told him “nope.” He then tells me he is going to have my wages garnished and send the information to my boss. Once again I laugh. I tell him “go for it, I'm self employed.” He asks if I have a bank account? I tell him, ”yup.” He says they will seize my bank account an all money in it. I tell him, “the only time I put money in the bank is to pay my bills and all of those can be paid in cash.” Next its, “We will sue you.” Having remembered some things from my failed attempts a college and the business law class I took I tell him,” Go for it, I have nothing to take.” He asked “you give us permission to sue you?” I tell him “go for it .” He said, “thats all we needed to hear,” and hung up.

So I start thinking and do some searching. My first thought is if this was valid in any way, why did it take till 2007 for them to ever try to send me anything, I quit college in 1997 and my loan was in collections by Jan of 1998. After reading this thread and other information and seeing the kind of things they try, I did some quick calculations.

1.The SOL of this loan expired years ago.
2.The amount that they are trying to collect on is the remainder of my lon that was written off by the old collection agency
3.They totally lied to me about what the loan was about.

I kind oh hope they call back so I can verify who thie company is and then make fun of them some more.

Update:

Received another paper airplane from them today. Although I never did receive a return call from my phone message, or a response from my email on this time sensitive issue... Ms Natale has found it in her heart to provide me with a reasonable payment option in the form of post-dated checks or a reduced payment if in full. What a gal!

I decided I would try and contact them again. This time after about 20 minutes of classical music, I was connected with a person and not a machine. I informed that I had filed a legal complaint against them with recol.com, the RCMP, and the local police (as advised by the RCMP), and that I had actually forgotten to mail off my complaint letter to the Law Society of Upper Canada, but thanked them for the reminder. I told them that since I had no evidence to prove that this was a valid, legal claim, I considered them nothing more than telemarketors and requested that I be placed on their Do Not Call list, and asked to add that to my file.

The young man told me that they did have a claim and that they don't just go around calling people without a claim. I stated that I have never had an account with Rogers, and I assured him that if they really did have a legal claim to it, they would've already moved it to small claims court as they had threatened to do in the first letter. He replied with, "That's why they call it a DRAFFFFFFFFFFFFFFFFFT letter.... a DRAFFFFFFFFFFFT letter!". I thanked him for his attempt at a make-shift english lesson, but I was aware of what the word "draft" meant. I also reminded him of what some of the words and phrases in their accompanying threatening letter meant as well. He did not seem impressed by this.

I again assured him that I would not be paying his frivilous claim, as I had researched the company and learned quite a bit from the RCMP and websites such as this one. He was very quick to point out that "anyone can put something on a website!". So I reminded him that anyone can type a "DRAFFFFFFFFFFFFFFFFFFFT" statement of claim, that I would not be acknowledging. This did not seem to impress him either.

He reminded me that the phone call was potentially being taped, and asked if I was refusing to pay my account. I stated that I was thrilled that it was being taped, and that I was NOT refusing to pay my account. I was refusing to pay an account that I feel is not valid, and that they have no legal claim to. From some reason, he actually TOLD me that they did not have a legal claim to it, or were not making legal claim to it, or something. Maybe he thinks I speak lawyer, but I don't. I just reiterated that as far as I was concerned, if it is not legal, then it is illegal. Until they proved otherwise, I would not be acknowledging it.

He invited me to contact Roger's, and I said that I would be happy to and requested the contact information. He told me to do that I would have to verify my personal information, to which I again refused. I'm pretty sure I can find Roger's Communicatons contact info without having to give out my personal information. He then told me to call them back when I felt like cooperating further. I told him not to hold his breath, and hung up.

So I'm off to the mail box!

I was contacted via my answering machine about an emergency call from a 1-866 number telling me it was urgent to call their 'law associates' immediately. I was foolish enough to call back and of course got an answering machine. The call I received was barely comprehensible and my name was filled in with some electronic device so I wasn't sure who they wanted. Well I was very upset and scared that someone somewhere was suing me yet I am 62 and have lived alone for over 10 years with not speeding tickets or warrants for grand theft auto or murder so I was very upset, which is easy to happen at this age. When I called back there was not answer and today, the next day I have not heard anything. I called the local police, St, Ewing and reported what I felt was a fraud or at least harassment .They need to be stopped or at least change their tactics to reflect a professional law firm. It is not hard to distinguish between a dog and pony show and good solid professional legal work. People could have series health repercussions from this kind of harassment, If it is me I will sue there back sided off.
john

Head's up!!!

Natale is on the prowl in Manitoba now. I received a letter about a week ago. I pretty much told them via phone message and email to pound sand until they could provide me with a time frame and description of the account for which they claimed I owed. I further stated that since (according to her letter) this was a time sensitive matter, I should expect to hear from her immediately. Naturally I have not heard a peep.

I decided to research her (for fear that I may have now provided some phishing artist verification of my name, address, phone number... etc) to see what I needed to be wary of, and discovered this site. Very informative, and equally entertaining! Ray, you're good times, buddy. I like where your head's at ;)

I filed a complaint with www.recol.ca this evening, and plan to phone the RCMP just to double up my efforts. I have also printed off a complaints form for the Law Society of Upper Canada and will complete and mail post haste. My general impression is that this will likely be merely therapeutic, as after 2 hours of reading this thread and pausing at March 2007 to make my mark, I get the feeling that not much has made a difference since the origins of this post. But I'll throw my drop into the bucket and see what happens!

Thanks for the information!

hey poisonthewealthy...
quickest answer is this.. read the 500 posts on this topic...

BTW... why would you want to poison the wealthy?