Quoting Ray "They're perfect chamelions. We had a couple of guys on the forum recently like "askabillcollector.com" and "ccdr.ca" presenting appropriate faces to debtors in distress to gain first, their trust, and then get their money. The former had collection agencies advertising all over his site and so just who was he really working for?"
A bit of a sweeping generalization, for someone who comes off as informed, you should realize google ads are content driven by the key words of the posts and not selected.
Seeing as you are eager enough to engage in name calling what worthwhile endeavor are you doing for a living or is posting what you do?
Debt Settlement - What is Canadian Debt settlement? - Canada
RE: SICKENING CONTRIBUTION TO SICKKIDS
by AskABillCollector » Sun Jun 03, 2007 04:21:15 PM
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SICKENING CONTRIBUTION TO SICKKIDS
by Raymond » Tue May 08, 2007 12:00:00 AM
The foreign owned Highway 407 Consortium that is holding the 6.2 million people of the GTA - almost 20% of the Canada's population - hostage for the next 91 years and is accountable to no one outside of themselves, including the Ministry of Transportation, calls another PR photo-op.
They are shown making, what for them would be a perfunctory donation, to the Hospital for Sick Children. How could anyone be angry at them for charging the public half a billion dollars a year (and soon to be a billion) for a highway, we've already paid for 20 times over, through our gas taxes -and continue to pay - when they give to such endearing causes?
It's unfortunate that they wouldn't make a donation to the Foundation for Sick Motorists who become ill trying to keep up with their hostage payments. The $125,000 would amount to only a miniscule fraction of all the illegal/immoral account fees charged each month.
In any event, the people of Spain salute all you generous Canadians (with their middle finger). They say there's one born every minute, but they must think that 12 million of them were born in Ontario.
Next month's promo includes one free sucker with each account signup. Kinda metaphorical when you think about it.
Ray
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QUICK REFERENCE GUIDE TO DEALING WITH COLLECTION AGENTS
by Raymond » Tue May 08, 2007 12:00:00 AM
*FAST FACTS***********************
The collection agency has few predators. His most common defensive tactic is to project vomit at his adversary and fly away. [Just like a collector who's had too much to drink on a Friday afternoon].
collection agencys can digest meat in any stage of decay, and withstand diseases that would kill any other creature.
Unlike most birds, collection agencies do not build nests.
collection agencys can fly effortlessly for hours at a time. They do so by gliding over thermal updrafts (warm rising pockets of air), grabbing a free lift.
collection agencys have an acute sense of smell, which helps them find their dinner.
The collection agencys head is bald, making it difficult for bacteria to stick to him. What little does he bakes off using sunlight.
When a collection agency's dinner has too thick a hide for his beak to open, He waits for a larger scavenger to eat first.
Legal Disclaimer:
Any similarity with a collection agent is purely non-coincidental.
The collection agency has few predators. His most common defensive tactic is to project vomit at his adversary and fly away. [Just like a collector who's had too much to drink on a Friday afternoon].
collection agencys can digest meat in any stage of decay, and withstand diseases that would kill any other creature.
Unlike most birds, collection agencies do not build nests.
collection agencys can fly effortlessly for hours at a time. They do so by gliding over thermal updrafts (warm rising pockets of air), grabbing a free lift.
collection agencys have an acute sense of smell, which helps them find their dinner.
The collection agencys head is bald, making it difficult for bacteria to stick to him. What little does he bakes off using sunlight.
When a collection agency's dinner has too thick a hide for his beak to open, He waits for a larger scavenger to eat first.
Legal Disclaimer:
Any similarity with a collection agent is purely non-coincidental.
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RE: THE NEW FACE OF DEBT SETTLEMENT IN THE USA: COLLECTORS MERGE WITH DEBT SETTLERS
by Raymond » Mon May 07, 2007 12:00:00 AM
http://www.thestar.com/News/article/211141
"The Ontario numbers show that the richest 10% of families raising children - those with earnings of $146,000 in 2004 (not including investments and other assets) - earned 75 times the amount 10 percent. In 1976, the [10% of the] richest earned 27 times as much." (Excerpt from above article.)
THE ELEPHANT IN THE LIVING ROOM GETS BIGGER
It would be a real good idea to take note of the front page headlines in today's Toronto Star.
Though my favorite newspaper is the National Post, the Toronto Star comes up with a number of good articles too.
There's a public forum tomorrow night, headed by former Ontario premier Bob Rae and Finn Poschmann, research director of the CD Howe Institute, at the St. Lawrence Center in Toronto.
It addresses a matter that I've been posted on several times; and that is the growing poverty level due to the polarization of incomes. Most recently, I discussed it in reference to Andrew Coyne's March article in the National Post and Brenda Kelly, U-tube poster whipping girl for our increasing level of taxation.
Each of these posts was greeted with a yawn, but there scarcely could be a more destabilizing issue facing society. Destabilizing because the dynamics of capitalism is leading to an increasing gap between the have and the have-nots. A number of recent economic reports have demonstrated how the middle class, as we have known it, is disappearing and the median wage is constantly, when adjusted for inflation, is constantly falling. In fact, it's been falling for over 25 years! Therefore, those on the wrong side of the median (or 50%) distribution curve will find it increasingly difficult to purchase the basic goods and services, necessary for living, in an economy where the polarization of incomes is increasing at an exponential rate.
Expressed in more simple terms, that means your average truck driver is now earning about 1/2 to 2/3 of what he was 15 to 20 years ago. It may not be quite 50% yet depending on what crieria you use for being poor; but one thing's for sure, it will be 50% very soon (if it's not already) and then 60% and then 70%. That's an unstable situation because everyone has one vote, rich or poor.
In the past, I talked to 3 prominent politicians at different levels of government in the Toronto area. Each one was quite candid in revealing they didn't pay too much attention to the 50% of potential voters living in apartments. Why not? Because traditionally, they've been a very apathetic group with perhaps a 5% voter activity, whereas the rich and other property owners comprise a more concerned demographic with a high turnout.
Notwithstanding that is sure to change as things become more critical economically, that will change. Hence, we are starting to see feature articles in the major newspapers and important public forums (like the one above) on it. Similarly, not many payed much attention to greenhouse gases 20 years ago. Oh yes, we've always talked about it, but now things are getting serious.
I was at a birthday party last night celebrating the 70th birhday of the father of a credit policy analyst, at one of the downtown banks, along with a beleagured multi-tasked out bank manager who were only to ready to concur with my observations.
Doubtlessly, the increasingly "maxed out" society we live in, with those living on the financial edge, will spawn a future superstrain generation of collection agents and financial nazis who will try and take over the financial underworld.
Ray
"The Ontario numbers show that the richest 10% of families raising children - those with earnings of $146,000 in 2004 (not including investments and other assets) - earned 75 times the amount 10 percent. In 1976, the [10% of the] richest earned 27 times as much." (Excerpt from above article.)
THE ELEPHANT IN THE LIVING ROOM GETS BIGGER
It would be a real good idea to take note of the front page headlines in today's Toronto Star.
Though my favorite newspaper is the National Post, the Toronto Star comes up with a number of good articles too.
There's a public forum tomorrow night, headed by former Ontario premier Bob Rae and Finn Poschmann, research director of the CD Howe Institute, at the St. Lawrence Center in Toronto.
It addresses a matter that I've been posted on several times; and that is the growing poverty level due to the polarization of incomes. Most recently, I discussed it in reference to Andrew Coyne's March article in the National Post and Brenda Kelly, U-tube poster whipping girl for our increasing level of taxation.
Each of these posts was greeted with a yawn, but there scarcely could be a more destabilizing issue facing society. Destabilizing because the dynamics of capitalism is leading to an increasing gap between the have and the have-nots. A number of recent economic reports have demonstrated how the middle class, as we have known it, is disappearing and the median wage is constantly, when adjusted for inflation, is constantly falling. In fact, it's been falling for over 25 years! Therefore, those on the wrong side of the median (or 50%) distribution curve will find it increasingly difficult to purchase the basic goods and services, necessary for living, in an economy where the polarization of incomes is increasing at an exponential rate.
Expressed in more simple terms, that means your average truck driver is now earning about 1/2 to 2/3 of what he was 15 to 20 years ago. It may not be quite 50% yet depending on what crieria you use for being poor; but one thing's for sure, it will be 50% very soon (if it's not already) and then 60% and then 70%. That's an unstable situation because everyone has one vote, rich or poor.
In the past, I talked to 3 prominent politicians at different levels of government in the Toronto area. Each one was quite candid in revealing they didn't pay too much attention to the 50% of potential voters living in apartments. Why not? Because traditionally, they've been a very apathetic group with perhaps a 5% voter activity, whereas the rich and other property owners comprise a more concerned demographic with a high turnout.
Notwithstanding that is sure to change as things become more critical economically, that will change. Hence, we are starting to see feature articles in the major newspapers and important public forums (like the one above) on it. Similarly, not many payed much attention to greenhouse gases 20 years ago. Oh yes, we've always talked about it, but now things are getting serious.
I was at a birthday party last night celebrating the 70th birhday of the father of a credit policy analyst, at one of the downtown banks, along with a beleagured multi-tasked out bank manager who were only to ready to concur with my observations.
Doubtlessly, the increasingly "maxed out" society we live in, with those living on the financial edge, will spawn a future superstrain generation of collection agents and financial nazis who will try and take over the financial underworld.
Ray
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RE: THE NEW FACE OF DEBT SETTLEMENT IN THE USA: COLLECTORS MERGE WITH DEBT SETTLERS
by Thaiboxer74 » Mon May 07, 2007 12:00:00 AM
Greg,
Raymond is right, but you shot your foot right off at the ankle there stumpy!
The first mistake was telling us which university you obtained your credentials from. Ashwood University??? C'mon man, you should have kept sh*t that to yourself, as you're just asking to get picked on. No offence, but that so called degree really is nothing to be proud of....They are 'purchased' and not 'earned'. But if having that piece of paper hanging above your desk makes you feel better, go ahead. I prefer a picture of Selma Hayek, but there's just no accounting for taste.
The second mistake is pulling the church card out of the deck. And Baptist no less...
No one here gives a rat?s ass what church you go to. It doesn't make you any more credible.
I have an Aunt who is born again Southern Baptist, and she will sit at the dinner table with us, pop a Xanax and slug back a pitcher of wine while telling us that we're all going to hell for the sins we've committed.
Greg, go sell that sh*t somewhere else, no ones buying your crap here.
Come back when you get some credentials from a real school, or do they spell it 'skool' at Ashwood???
PB.
Raymond is right, but you shot your foot right off at the ankle there stumpy!
The first mistake was telling us which university you obtained your credentials from. Ashwood University??? C'mon man, you should have kept sh*t that to yourself, as you're just asking to get picked on. No offence, but that so called degree really is nothing to be proud of....They are 'purchased' and not 'earned'. But if having that piece of paper hanging above your desk makes you feel better, go ahead. I prefer a picture of Selma Hayek, but there's just no accounting for taste.
The second mistake is pulling the church card out of the deck. And Baptist no less...
No one here gives a rat?s ass what church you go to. It doesn't make you any more credible.
I have an Aunt who is born again Southern Baptist, and she will sit at the dinner table with us, pop a Xanax and slug back a pitcher of wine while telling us that we're all going to hell for the sins we've committed.
Greg, go sell that sh*t somewhere else, no ones buying your crap here.
Come back when you get some credentials from a real school, or do they spell it 'skool' at Ashwood???
PB.
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THE NEW FACE OF DEBT SETTLEMENT IN THE USA: COLLECTORS MERGE WITH DEBT SETTLERS
by Raymond » Sun May 06, 2007 12:00:00 AM
NB: This collection agency may have removed the revolting picture above from their home page by now, because of the extremely bad publicity it generated.
http://fcsinc.biz/html/about_us.html
With a wealth of experience in the debt resolution industry, FCS is a leader in finding workable solutions for resolving your specific bill. In a nutshell, we purchase outstanding debt from major banks and credit card companies that for one reason or another were never paid. Chances are, if your reading this, yours is one of those debts. But here?s the good news. After years of working with consumers like yourself, we have come to understand that in most cases bills go unpaid because financial circumstances make it difficult if not impossible to pay at the time. Most people don?t get credit cards with the intention of charging up the bill and walking away. And if you are like most consumers in this situation, you want to get out from under this bill, without going broke to do it.
It?s important to know we recognize that everyone gets stuck now and then. At FCS, we are going to do everything possible to work out an arrangement that will not require lawyers on either of our parts. This is why the people to who you?ll be speaking to are trained in debt resolution, not bill collections. What?s the difference, you may ask? Well the entire distinction is in what the goal of the conversation is. Most collections personnel that you?ve talked to about this bill and probably most of the other bills you?ve had in the past have wanted to get you to pay at all costs. The representatives that you?ll talk to at FCS want to find a solution to this problem, that everybody can live with. That?s an important difference and one, which we have made the trademark of our business.
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THIS IS THE PICTURE THEY SHOULD HAVE USED:
**********(Lookout Below!!!)***********
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We can see the one of the new psychological manipulation techniques used by these "debt settlers" (aka collection agents).
First, the collection agencies try to appear empathetic with their victims/targets, but all they really manage is to look pathetic.
"Yes, we understand that you're not a bad or dishonest guy...you really did want to pay that debt....but sometimes in life misfortune happens......you would like to have paid BUT you couldn't.... we understand.....our lawyers understand.......why not get your lawyer (like their payday loan guy is gonna call up Eddy Greenspan) to talk to our lawyer because we wouldn't want to have to get nasty and fly a small plane into your building (unless we need to).......but whatever happens, we'll be there for[after] you.......sure, we bought your debt up for .1 cents on the dollar but we'll be happy to settle for 50 cents on the dollar so that our profit will only be 50,000%....."
We can see from their presentation (and not my precis) that John Leblanc, from the Canadian Financial Wellness Group, is right when he tells clients that a collection agents in their various forms will present whatever face you want them to, in order to get your money. They're perfect chamelions. We had a couple of guys on the forum recently like "askabillcollector.com" and "ccdr.ca" presenting appropriate faces to debtors in distress to gain first, their trust, and then get their money. The former had collection agencies advertising all over his site and so just who was he really working for?
The second, Greg Roberts at CCDR was a collection agent (or so he claims). Sure, he was a jerk then, couldn't live with himself - but a man's got to provide for his family (what family?), you know. But out of that crucible of self loathing and existential despair, he saw the light and spiritually regenerated himself. He's now on your side.....not working for the agencies any more, but for you. Really - the people at his church are a witness!
One can see a new trend emerging from all this rubbish which is merely financial predatory vulturism wearing different colored feathers. The line of separation between collections and debt settlement is becoming blurred, as debt buyers steadily gain prominence.
Naturally, one doesn't have to be a debt buyer to to be a player. It certainly seems possible for debt settlers to have secret working arrangements with debt buyers, whereby they round up a whole slew of delinquent and scared account holders and serve them up to debt buyers like ARO and PMS for 50 cents on the dollar. The debtor is happy because he thinks he got a good deal (actually, he likely could have gotten off for much less or scott free if he had done it himself) and the debt buyer is happy becuse he's made 5000% profit. Everyone's happy. What a happy world!
Doctor Raymond Jackson
PHD (Ashwood University), BBA (next week), MBA (the week after)
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RE: YES SIR! WHATEVER YOU SAY, SIR!
by montyloree » Sat May 05, 2007 12:00:00 AM
Raymond,
Everybody's posts are in tact... It's your opinion and that's what counts. You've done some research and reported back what you've learned... that's the most important part.
I've met Greg, he seems like a nice guy. I haven't done business with him. He has told his story right here on this site. It can't get any plainer than that.
I believe that we have given people some more evaluative information should they choose to use Greg's service.
Everybody's posts are in tact... It's your opinion and that's what counts. You've done some research and reported back what you've learned... that's the most important part.
I've met Greg, he seems like a nice guy. I haven't done business with him. He has told his story right here on this site. It can't get any plainer than that.
I believe that we have given people some more evaluative information should they choose to use Greg's service.
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RE: YES SIR! WHATEVER YOU SAY, SIR!
by Raymond » Sat May 05, 2007 12:00:00 AM
Well, Monty, as I said, I always keep an eye out for people that I can refer others to. As you can see, I've recommended a few people in various blogs to John LeBlanc, who specializes in handling student loans. And I'm certainly for debt settlement services whenever it would help the person involved.
A survey of the people who had experience with debt settlement outfits on the Yahoo Answers.com link I posted last night revealed a spectrum of experience, fron bad to very good. I suppose it depends on the quality and ability of the person performing the task, just like any other profession. Recall Five Star Mortgage operated by Total Credit Recovery et al - that was a debt settlement outfit; would you recommend them? Thus, I can't give you an absolute one-size-fits-all answer.
In Greg Roberts case, we also have a company that is merged with a mortgage refinance outfit opereated by his siter-in law in the same office. This fact by itself should raise a couple of flags. Couple that with repeated misleading claims and bogus credentials. What do you want me to say? Yes, I highly recommend a guy who flaunts business degree credentials obtained from a place that sells diplomas for $239.95. [ http://www.cheap-degrees.com/ ]. C'mon.
I see the bind you're in. I realize you need advertising revenue from the site. But is it worth advertising companies that are of dubious or no value? Would it not be better in the long run to try and attract more reputable outfits, who visiting bloggers will have had a good experience with and recommend to others?
Still, perhaps you don't wish to discriminate and would rather that any potential advertiser is not questioned or impugned about their claims. Since the forum belongs entirely to you, it is strictly your decision.
Ray
A survey of the people who had experience with debt settlement outfits on the Yahoo Answers.com link I posted last night revealed a spectrum of experience, fron bad to very good. I suppose it depends on the quality and ability of the person performing the task, just like any other profession. Recall Five Star Mortgage operated by Total Credit Recovery et al - that was a debt settlement outfit; would you recommend them? Thus, I can't give you an absolute one-size-fits-all answer.
In Greg Roberts case, we also have a company that is merged with a mortgage refinance outfit opereated by his siter-in law in the same office. This fact by itself should raise a couple of flags. Couple that with repeated misleading claims and bogus credentials. What do you want me to say? Yes, I highly recommend a guy who flaunts business degree credentials obtained from a place that sells diplomas for $239.95. [ http://www.cheap-degrees.com/ ]. C'mon.
I see the bind you're in. I realize you need advertising revenue from the site. But is it worth advertising companies that are of dubious or no value? Would it not be better in the long run to try and attract more reputable outfits, who visiting bloggers will have had a good experience with and recommend to others?
Still, perhaps you don't wish to discriminate and would rather that any potential advertiser is not questioned or impugned about their claims. Since the forum belongs entirely to you, it is strictly your decision.
Ray
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RE: YES SIR! WHATEVER YOU SAY, SIR!
by montyloree » Sat May 05, 2007 12:00:00 AM
Raymond,
Let me ask you this..
Are you for or against debt settlement companies that provide the debt settlement service in Canada?
I'll understand completely if you don't like them.
Let me ask you this..
Are you for or against debt settlement companies that provide the debt settlement service in Canada?
I'll understand completely if you don't like them.
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RE: YES SIR! WHATEVER YOU SAY, SIR!
by Raymond » Sat May 05, 2007 12:00:00 AM
Dear, Dear, Dear, Dear Greg, Why do some people insist on shooting themselves in the foot?
http://www.cheap-degrees.com/
Now, if you go to the above website, which advertises degrees for $239.95 and a money back guarantee, you will see they advertise Ashford Degrees and Speedydegrees.com. These seedy outfits are operated by the same charlatans calling themselves by the pretentious moniker, "World Online Education Accreditation Commission (WOEAC)) operated by the Board of Online Universities Accreditation (BOUA) - the ones you give as a reference.
Sounds like a good deal. No classes, homework or tests and your degree in 7 days. I'm sending in my $239.95 right now and next week, I will be a BBA too. Heck, I'm going for the Gold PHD BBA ($449.95) and gonna solve the world's debt crisis. Then you can come and work for me.
A guy I know owned a nice restaurant before he sold it. Good food, cute waitresses, good service etc. He sold it because of the long hours and hard work. It changed hands a couple of times before the last owner also got sick of the long hours and likely set fire to the place in order to claim the insurance money. But the dumb crook lineup never ends. The fire marshall comes over to investigate the damage and sees all the dishes and cutlery had been removed prior to the overnight fire. Another person shoots themself in the foot. If your going to be a crook, at least be a good one.
Look, anyone who's bought a used car or been to a rummage sale can negotiate a debt settlement. You don't need a MBA, BCom or BBA or whatever to do that. By needlessly advertising that you've been bankrupt and telling people you've got these bogus credentials and work experience, you needlessly set yourself up to be taken down. Because some people are going to come along and call you on your stuff. Then it gets tagged on Google and you needlessly get turfed by potential clients doing research on you. And, apparently, a few have done that already according to Monty.
Ditto for that cheesy infomercial article on your website. Blogger Peabo Bryson looked at that and seems to have done a "double take" judging by his remarks. Better to leave stuff like that off.
Don't get me wrong - I'm always looking for competent indivduals to recommend others to, but I also look for incompetent ones to tell people to stay away from.
Raymond Jackson
[Soon to Be] BBA, PHD
http://www.cheap-degrees.com/
Now, if you go to the above website, which advertises degrees for $239.95 and a money back guarantee, you will see they advertise Ashford Degrees and Speedydegrees.com. These seedy outfits are operated by the same charlatans calling themselves by the pretentious moniker, "World Online Education Accreditation Commission (WOEAC)) operated by the Board of Online Universities Accreditation (BOUA) - the ones you give as a reference.
Sounds like a good deal. No classes, homework or tests and your degree in 7 days. I'm sending in my $239.95 right now and next week, I will be a BBA too. Heck, I'm going for the Gold PHD BBA ($449.95) and gonna solve the world's debt crisis. Then you can come and work for me.
A guy I know owned a nice restaurant before he sold it. Good food, cute waitresses, good service etc. He sold it because of the long hours and hard work. It changed hands a couple of times before the last owner also got sick of the long hours and likely set fire to the place in order to claim the insurance money. But the dumb crook lineup never ends. The fire marshall comes over to investigate the damage and sees all the dishes and cutlery had been removed prior to the overnight fire. Another person shoots themself in the foot. If your going to be a crook, at least be a good one.
Look, anyone who's bought a used car or been to a rummage sale can negotiate a debt settlement. You don't need a MBA, BCom or BBA or whatever to do that. By needlessly advertising that you've been bankrupt and telling people you've got these bogus credentials and work experience, you needlessly set yourself up to be taken down. Because some people are going to come along and call you on your stuff. Then it gets tagged on Google and you needlessly get turfed by potential clients doing research on you. And, apparently, a few have done that already according to Monty.
Ditto for that cheesy infomercial article on your website. Blogger Peabo Bryson looked at that and seems to have done a "double take" judging by his remarks. Better to leave stuff like that off.
Don't get me wrong - I'm always looking for competent indivduals to recommend others to, but I also look for incompetent ones to tell people to stay away from.
Raymond Jackson
[Soon to Be] BBA, PHD
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