For the past month of August 2010 I have been receiving calls from this Natale Law Office and even received a letter. They have been claiming to be working on behalf of a credit card company that I know is in default due to problems I experienced and was not able to maintain my payments. I am not in a position to begin repaying this debt. I had one unpleasant conversation with the folks at the law office where they wanted a total payment of over $7000 and no repayment on a monthly basis. They also wanted some personal information which I was not prepared to give and they threatened to tell their client they want to go through the courts because they claimed I was uncooperative.

Now after reading how this company operates here I am glad I never agreed to anything or told them anything. But I still need to get in touch with someone from the credit card company I owe money to set up a new payment plan and resolve my debt with them.

Hi Everyone,

Here are some helpful hints in dealing with this company:

If you are receiving calls from this number:
1. Do not reply or acknowledge them
2. Contact the following resources

File Complaints with:

Law Society of Upper Canada
- File a direct complaint against
http://www.lsuc.on.ca/public/a/complaints/

Natale Law Firm
c/o Deanna Natale
1490 Denison Road
Suite 100
Markham ON
905-413-8545

2.Ontario Privacy Commissioner
File a complaint against:
http://www.ipc.on.ca/english/Resources/IPC-Corporate/IPC-Corporate-Summary/?id=668

Global International Inc (Global Credit and Collections)
1490 Denison Street,
Markham, ON
L3R-9T7
905-479-2222

3. Minister of Consumer Affairs
- file a complaint Both firms for they are one and the same.
http://www.sse.gov.on.ca/mcs/en/Pages/Complaint_Steps_to_File.aspx

4. If the harassment is excessive, please contact a local lawyer that specializes in consumer law and they will take up your case.

Reasons for complaints:

Firm are conducting business practices’ in breach of the Canadian collections act, as well as breaches of Canadian Privacy Law.

Some of the breaches are as follows:

Registration

4. (1) No person shall carry on the business of a collection agency or act as a collector unless the person is registered by the Registrar under this Act. R.S.O. 1990, c. C.14, s. 4 (1).

Name and place of business

(2) A registered collection agency shall not carry on business in a name other than the name in which it is registered or invite the public to deal at a place other than that authorized by the registration. R.S.O. 1990, c. C.14, s. 4 (2).

Use of name to collect debts

5. No creditor shall deal with the debtor for payment of the debt except under the name in which the debt is lawfully owing or through a registered collection agency. R.S.O. 1990, c. C.14, s. 5.

Conditions of registration

(2) A registration is subject to such terms and conditions to give effect to the purposes of this Act as are consented to by the applicant, imposed by the Tribunal or prescribed by the regulations. R.S.O. 1990, c. C.14, s. 6 (2).

Notice requiring hearing

(2) A notice under subsection (1) shall state that the applicant or registrant is entitled to a hearing by the Tribunal if the applicant or registrant mails or delivers, within fifteen days after service of the notice under subsection (1), notice in writing requiring a hearing to the Registrar and the Tribunal, and the applicant or registrant may require such a hearing. R.S.O. 1990, c. C.14, s. 8 (2).

Confidentiality

17. (1) A person who obtains information in the course of exercising a power or carrying out a duty related to the administration of this Act or the regulations shall preserve secrecy with respect to the information and shall not communicate the information to any person except,

Use of unregistered collection agency

24. (1) No person shall knowingly engage or use the services of a collection agency that is not registered under this Act. R.S.O. 1990, c. C.14, s. 24 (1).

Employment of unregistered collectors

(2) No collection agency shall employ a collector or appoint or authorize a collector to act on its behalf unless the collector is registered under this Act. R.S.O. 1990, c. C.14, s. 24 (2).

False advertising

25. Where the Registrar believes on reasonable and probable grounds that a collection agency is making false, misleading or deceptive statements in any advertisement, circular, pamphlet or similar material, the Registrar may order the immediate cessation of the use of such material, and section 8 applies with necessary modifications to the order in the same manner as to a proposal by the Registrar to refuse registration and the order of the Registrar shall take effect immediately, but the Tribunal may grant a stay until the Registrar’s order becomes final. R.S.O. 1990, c. C.14, s. 25.

Practices prohibited

22. No collection agency or collector shall,

(a) collect or attempt to collect for a person for whom it acts any money in addition to the amount owing by the debtor;

(b) communicate or attempt to communicate with a person for the purpose of collecting, negotiating or demanding payment of a debt by a means that enables the charges or costs of the communication to be payable by that person;

(c) receive or make an agreement for the additional payment of any money by a debtor of a creditor for whom the collection agency acts, either on its own account or for the creditor and whether as a charge, cost, expense or otherwise, in consideration for any forbearance, favour, indulgence, intercession or other conduct by the collection agency;

(d) deal with a debtor in a name other than that authorized by the registration; or

(e) engage in any prohibited practice or employ any prohibited method in the collection of debts. R.S.O. 1990, c. C.14, s. 22; 2002, c. 18, Sched. E, s. 3 (1).

Hi Everyone,

Here are some helpful hints in dealing with this company:

If you are receiving calls from this number:
1. Do not reply or acknowledge them
2. Contact the following resources

File Complaints with:

Law Society of Upper Canada
- File a direct complaint against
http://www.lsuc.on.ca/public/a/complaints/

Natale Law Firm
c/o Deanna Natale
1490 Denison Road
Suite 100
Markham ON
905-413-8545

2.Ontario Privacy Commissioner
File a complaint against:
http://www.ipc.on.ca/english/Resources/IPC-Corporate/IPC-Corporate-Summary/?id=668

Global International Inc (Global Credit and Collections)
1490 Denison Street,
Markham, ON
L3R-9T7
905-479-2222

3. Minister of Consumer Affairs
- file a complaint Both firms for they are one and the same.
http://www.sse.gov.on.ca/mcs/en/Pages/Complaint_Steps_to_File.aspx

4. If the harassment is excessive, please contact a local lawyer that specializes in consumer law and they will take up your case.

Reasons for complaints:

Firm are conducting business practices’ in breach of the Canadian collections act, as well as breaches of Canadian Privacy Law.

Some of the breaches are as follows:

Registration

4. (1) No person shall carry on the business of a collection agency or act as a collector unless the person is registered by the Registrar under this Act. R.S.O. 1990, c. C.14, s. 4 (1).

Name and place of business

(2) A registered collection agency shall not carry on business in a name other than the name in which it is registered or invite the public to deal at a place other than that authorized by the registration. R.S.O. 1990, c. C.14, s. 4 (2).

Use of name to collect debts

5. No creditor shall deal with the debtor for payment of the debt except under the name in which the debt is lawfully owing or through a registered collection agency. R.S.O. 1990, c. C.14, s. 5.

Conditions of registration

(2) A registration is subject to such terms and conditions to give effect to the purposes of this Act as are consented to by the applicant, imposed by the Tribunal or prescribed by the regulations. R.S.O. 1990, c. C.14, s. 6 (2).

Notice requiring hearing

(2) A notice under subsection (1) shall state that the applicant or registrant is entitled to a hearing by the Tribunal if the applicant or registrant mails or delivers, within fifteen days after service of the notice under subsection (1), notice in writing requiring a hearing to the Registrar and the Tribunal, and the applicant or registrant may require such a hearing. R.S.O. 1990, c. C.14, s. 8 (2).

Confidentiality

17. (1) A person who obtains information in the course of exercising a power or carrying out a duty related to the administration of this Act or the regulations shall preserve secrecy with respect to the information and shall not communicate the information to any person except,

Use of unregistered collection agency

24. (1) No person shall knowingly engage or use the services of a collection agency that is not registered under this Act. R.S.O. 1990, c. C.14, s. 24 (1).

Employment of unregistered collectors

(2) No collection agency shall employ a collector or appoint or authorize a collector to act on its behalf unless the collector is registered under this Act. R.S.O. 1990, c. C.14, s. 24 (2).

False advertising

25. Where the Registrar believes on reasonable and probable grounds that a collection agency is making false, misleading or deceptive statements in any advertisement, circular, pamphlet or similar material, the Registrar may order the immediate cessation of the use of such material, and section 8 applies with necessary modifications to the order in the same manner as to a proposal by the Registrar to refuse registration and the order of the Registrar shall take effect immediately, but the Tribunal may grant a stay until the Registrar’s order becomes final. R.S.O. 1990, c. C.14, s. 25.

Practices prohibited

22. No collection agency or collector shall,

(a) collect or attempt to collect for a person for whom it acts any money in addition to the amount owing by the debtor;

(b) communicate or attempt to communicate with a person for the purpose of collecting, negotiating or demanding payment of a debt by a means that enables the charges or costs of the communication to be payable by that person;

(c) receive or make an agreement for the additional payment of any money by a debtor of a creditor for whom the collection agency acts, either on its own account or for the creditor and whether as a charge, cost, expense or otherwise, in consideration for any forbearance, favour, indulgence, intercession or other conduct by the collection agency;

(d) deal with a debtor in a name other than that authorized by the registration; or

(e) engage in any prohibited practice or employ any prohibited method in the collection of debts. R.S.O. 1990, c. C.14, s. 22; 2002, c. 18, Sched. E, s. 3 (1).

.

These draft statement of claims are not illegal. The law society of upper Canada won't do anything, nor will the provincial ministry. The all know about them and have been challenged many times before.

The good news is as long as this thread remains on here, and is found on Google searches for "Deanna Natale", people will learn its just a scare tactic that usually isn't worth the paper its written on.

I say "usually" because there is a chance a real claim could be issued and telling the difference isn't always easy for the average debtor.

The registrar in Ontario, Brian Pitkin, wrote a letter to all collection agencies a couple of years ago, I got a hold of it and summarized his points here: Deanna Natalie Draft Statement of Claims

any update on this complait with law society?
we have just received a 'fake' supreme court document from her also.

Global Credit and Deanna Natale are a complete scam, I received a letter that was masked as a judgemnet order from a court in Ontario! completely false indicating a judgement in excess of 50K!! lol

I have filed a complaint with the Upper Canada Law Society and the Consumer Protection Authority here in BC.

This lady appears to be off her rocker? however I'm sure if even 10% of people freak and pay its probably worth it to them?

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