The guy that has phones and yelled at me and laughed at my financial situation - I just faxed him a letter demanding the following

- he or anyone from his company no longer contact me except in writing
- he must provice me with his licence # to prractice in Sask with expiry date
- he must provide me with cbv licence # to practice in Sask with expiry date

- he must provide me with a copy of the agreement I have with cbv for this debt

Will this make him quit screaming at me now for a while? Should I do anything else?

Monty,

I believe bill collectors are reading our posts and they hate the fact people are getting the inside scope on how to settle debts. Here is a post I put up yesterday on tips to settle your debts yourself.

The best option out there I find is debt settlement. This option can be done by you. Here are some tips when you’re negotiating with the collection agencies or creditors. If you’re really on hard times and you can prove it, I would start by offering them 10%.

1) I would request these forms called financial capacity forms to be filled out to be considered for a low perimeter settlement offer. The only creditor that offered these forms to me was Cibc.I had to write a letter stating my hardship to my other creditors to be considered for a low perimeter settlement.

2) If your income was not that great make sure you have your last two years of your Notice of Assessments from revenue Canada to show these creditors or collection agencies if they request them.

3) If you have a medical illness and it prevents you from working, get a letter from your doctor or if you’re on a disability or pension have copies on hand if they request them.

4) If your not working and they don’t believe you get a letter notarized from a lawyer stating why you’re not working.

5) If you’re not happy the way the collection agency is treating you give the creditor or the ombudsman department a call and make a complaint. The last thing these creditors want is some collection agency using their name in a bad way.

6) If you’re not happy with the settlement offer the collection agency gave you, call the creditor and submit your settlement offer with them. I would find out who the senior supervisor or the manager is in their collection department. If you submit your offer to a regular person on the phone the chances are you will get rejected or you will get someone that doesn’t care and will redirect you back to the collection agency.

collectorinrage... you're pretty angry about something..
What are you angry about.. I'm curious..

You're spewing alot of venom here!

Actually, if the debt is 5 years old, in most provinces you pretty much CAN'T sue. Look it up, fella... :D

And this...:

"or maybe I wouldn’t have to pay a $200 deposit when I got Hydro put in my house. "

Too funny! In my experience, if your credit rating was as stellar as you'd have us believe, you wouldn't have had to pay the deposit either.

I think you’re wrong and if you’re doing this from work, this could bring a lawsuit towards your company; after all your company is responsible for their workers action. This site owner does not take lightly that someone out there is harassing his members.

I see your running sacred; you are not as smart as you think you are. The site owner will trace your ip address and will report you to the RCMP like he has in the past to other members. This is considered harassment what you are doing to members.

The collection agencies hate the fact they are getting exposed. People need to know that low perimeter settlements do exist. I know you hate the fact that people might settle for a low amount and this will cut into your commissions. Before you insult people on here remember if it weren’t for them you wouldn’t have a job.

You think about that JOE. Ill be over here NOT being charged for anything. BUT I could be wrong. Why dont you GOOGLE it, like you do everything else!

bye for now!

No people are looking for underperameter settlements to RELEAVE there debt. Going to financial institutions to pay someone else to pay their bills. JUST PAY IT YOUR SELF. No one is expecting you to put ! million dollars out of your ear to pay, but why no put any spare cash into fixing your credit. Dont get your self in these situations in the first place. Your not living the dream if your paying for it later.

Ps average Joe. If you can find a loop hole in the way we collect. We will find ten more to get out of a mess! Keep trying though. Your doing a fantastic job at NOT helping people AT ALL!

You’re a joke you are loser and like I said your ip address will be traced by the site owner and hopefully you’re not using your computer from work or home. Keep talking your digging yourself deeper in the hole.