Listen, I can understand stepping over the line with the amount of calls to force you into insanity, but most people define a bill collector call as harassment, because they just chose not to deal with the matter and tell them not to call. Unfortunately, it's not an option. Most people are just ignorant on the front.

While you may define harassment as "persistence without a cause," most bloggers like Elizabeth would define it as "persistence without a brain" - meaning your buddies "Dudeman."

Ray

They won't send you a "bill" but they will send you a letter confirming they are authorized to collect on behalf of the creditor and inform you of the balance.

Update your home address with them. Once this is done, they must wait 5 business day until they can contact you again (as per the Collection Agency Act). It shouldn't take any longer than 5 days for you to get it.

Secondly, a collection agency calling you is not harassment. Harassment is defined as "persistence without a cause." The collectors are calling you, (with reason) as you owe a creditor money. The police cannot and probably will not do anything for you.

they keep calling i told them when i get a bill i will start paying them off. i never got a bill or letter. i am not going to pay something without a bill because they can turn around and say they never got it. they tolld me they arent going to stop calling after i told them it is harrassment, and i will call the police. they said we will just call your landlord. then they just started calling and hanging up when i anser the phone. so i told them thats fine i am not working right now i will start paying you when i have a job, if you dont like it to bad. i tried to work with them and it didnt work. they are really getting annoying what can i do?

i have been dealing with a stituation with a debt collection agency and i would like to know what approriate internal measures are in regards to breach of the bpcpa .

after complaining to the bpcpa in regards to the conduct of a couple agents, an investigation(performed by an obudman employed by said agency), an apology conference call, and finally assurances that appropriate internal measures will be taken, i am still left with the feeling that not much is being done to stop the abussive behavior of some collection agents.

i feel i have exhausted all avenues available to me as a consumer (aside from suing them....which given my financial situation i can not afford) and believe these agents were found to have breached several section of the bpcpa and all they had to do was applogize.....woopy big deterant ..so...i would like to know before i go on ranting about the conclusion of my complaint...what does "appropriate internal measures" mean?

note: this is not about the debt but about the behavior of these agents

Sorry , I thought that I did just that with the last post .
How do I get to the investing page ?

Jack

Hey jack25bc,
These posts are off topic in this thread.. but they are on topic in the investing area :)

I think you're posting here because you're getting email responses from your earlier post on this thread.

Thanks

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ADD aggressive management to the list of fundamentals like

price/earnings ratios, debt to equity and cash flow analysis.
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A leading example is Suncor ( SU) which built its oilsands project on massive debt - when oil was less than $50 a barrel.
Suncor is in production - oil is at $70 and now Suncor is less than a year away from a second expansion.

The Company has announced a third expansion to raise production in 2011. You now have visibilty and growth four years out. In addition the daily cash flow makes the Company less reliant on the current state of the financial markets.

Beware the Trojan horse of easy money.
Billions of dollars added by the central banks around the world on Friday - particularly in the U.S. and Canada will result in increased inflation.
They may not have had a choice in the efffort to end financial gridlock but there will be unintended consequences for us all , as a result.
The U.S. dollar will keep sliding - and this may accelerate if the Fed cuts interest ratesin September or earlier.
Commodities - dominated in U.S. dollars will rise - hence golds increase on Friday.
Stay with the resources like oil , copper , zinc and the producers who mine them - see the AMP Portfolio at the market blog http://www.amprogram.com

well from what I have read, this collection agency broke a lot of the statutes in the Collection Agencies Act, they never supplied me with an original letter, they threatened and intimidated me, essentially called me a liar when I told them I never received the letter. I offered them generous monthly payments, which they turned down because I couldn't make payments immediately, I wanted the payments to start in 2 weeks after the time I made the offer, and they said either by the end of the month, which I did not have the money to do it then, or the offer was being rejected. I have all of this in writing, as I started having only correspondence with them over fax.