Original Pride

Contact Roger's get it sorted out. Keep calling back until you find someone willing to help. You will have better luck than trying to communicate the MCA.

It is my opinion that Roger's has a problem with their system and policies. I have fallen victim to it already. You are the customer, you can choose never to deal with them again.

Steve

Hi,

I owe Rogers $800.00 because of my niece calling her mom overseas. Long story short, I make small payments to rogers (as much as I can) in order to pay this off. I received a letter from MCR stating I owe $1500.00. I don't know what to do and I am a bit scared by reading some of these posts. Will they take me to court? will they just start taking money out of my account? What are they going to do. No doubt I want to pay off this debt but $1500.00 common and even if i have to pay $1500.00, I cant do it all in one payment. Please advised me someone!!!

Carinna76,

There is no reason to be scared.I would call rogers and get in touch with the right person even if it takes a few attempts to clear up this error.I would not send anyone posted dated cheques.

Why would someone send off post dated cheques for a balance that emerged due to an accounting error? Do you work for that collection agency? Is that why you're suggesting a solution that favors the creditor and collection agency, without addressing the real problem at hand?

Their Head Office is 400, 10310 Jasper Avenue, Edmonton, Alberta, T5K 2W4. Send them some post dated cheques for what you can afford monthly and you will be fine.

I'm currently being chased by Metropolitan Credit for $1800, due to a mistake made by Rogers. They won't offer a payment plan, they are sooo rude and insulting on the phone and seem to know everything about me. They want me to pay everything on my credit card, but I don't have a permanent job at the moment so I can't pay it off. I'm scared, and dont know what to do.

Don't listen to Crdtadvisor. He is obviously from a collection agency. You are in no way required by law to communicate with a collections agency. Every thing that he has said here is either half truths or out right lies.

One more thing. If you want them to stop calling you, just fax them a letter with a list of all the numbers you don't want them calling. They are obligated to stop all calls to those numbers. This won't save you from paying your debt, but at least the calls will stop.

Here's the scoop on collection laws if anyone is interested.

1) If you have a delinquent debt of any kind that's been sent to collections you are obligated by law to communicate with the collection agency. It can be by letter, email, or phone, but you must keep an open line of communication.
2) If you do not do so, they are aloud to contact your work, your family and whoever they feel necessary in order to get in touch with you. However, they cannot disclose the purpose of their call to anyone but you.
3) The collection agency won't do anything to you but try and offer you solutions on how to pay off your debt. If you want to get your debt paid off but just don't think it's possible. Call them up and ask them for suggestions, they are required to offer multiple solutions to your problem.

4) If you simply never make a payment then the bank will destroy your credit rating. No matter how small your debt is, the bank will make sure that noone lends you money for the next 7 years.
5) if you never make a payment and your debt is over a certain amount. This varies from company to company. But I'd say $4K. If you owe over $4K and you simply refuse to pay it, then I would say you are 99% likely to be sued. This means you will have a Judgment on your credit report, which is pretty much equal to bnkrptcy, only instead of not having to pay, the bank reserves the right to garnish your wages, take money directly from your account and repo your house, cars and whatever valuables you own in order to recoup the debt.
6) The only way to avoid this without paying your debt is to basically go off the grid. That means if you work it has to be under the table, and you and your spouse cannot own anything in your name or his/hers. Another way to avoid this would be to leave the country and never come back.
Believe it or not, that is very common.

The best advice I can give you is to offer a settlement. Depending on how far gone your debt is, it's almost always more financially smart for the collection agency to accept a settlement then to sue you.

thanks average joe and oc fo rreplies, will be sending letters out tomorrow by fax,email, and registered post.

I honestly feel that there should be a law against any such company doing this to anyone. but thats another story, just trying to save wifes job untill i can find one or we might just as well give up and claim welfare, but what lesson would that teach our children?

no one said life was easy but these companies sure dont help.

thankks again and will keep you all updated