Collection Agencies - Dave at ARO - Canada

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RE: Dave at ARO

Postby gillian25 » Wed Jan 30, 2008 12:03:41 PM

This debt is past the SOL and by paying it (even if it was 10 cents) would throw it back onto my credit report for another 6 years. When this debt first went to collections with ARO I offered payments that I could afford however they were NOT interested and wanted a full amount or maybe a reduced amount. However whatever the amount was there was no way I had it otherwise it would have been settled long ago. My goal now is to clear up my credit rating, up my FICO score and get on with life. :D
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RE: Dave at ARO

Postby cheapandeasy » Wed Jan 30, 2008 10:54:26 AM

I've found that a great way to deal with these "people" is (if your credit is already pooched, that is) to let the debt go for so long that they send you those letters that say pay a portion and they'll close the debt. I've gotten more than 50% off in more than a few instances.
In the meantime, you just keep the ringer off :) , or just tell them you'd rather eat today then pay them.
When they try to guilt trip you, bore the crud out of them by talking about your life, all the sketchy details too. Sometimes, theyre just lonely...
Also, if they ever ask you to send them your signature, DONT DO IT, they will photoshop your siggy onto documents...
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RE: Dave at ARO

Postby gillian25 » Sun Jan 27, 2008 09:38:41 PM

Thank you for the input :D
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RE: Dave at ARO

Postby cadude » Sat Jan 26, 2008 04:00:40 PM

If people are coming to this site for help, then maybe it was my mistake for filling in the blanks with negative answers.

...the collection agency is bothering my roommate looking for me, because I didn't pay bill. I never answer the phone, because I don't want to deal w/ collection agencies. My bill has been outstanding for quite some time because I think it's passed it statute of limitation. I have no intention of paying it, because I believe it's passed it's SOL -- how do I get Dave at ARO to acknowledge this, so I can continue living in peace.

Gillian, this is what you said in a nut shell. To a collector (as I am) you are avoiding a debt that has had ample opportunity to be paid, either in full or my a payment arrangement. You have to agree with that. I mean, it's just simple logic.

Now, since I'm not going to be a complete prick, I'll help you avoid your debt. Fax Dave at ARO a cease and desist letter. State in it, that all communication by telephone from this point forward will not continue. Any further communication between your self and ARO will be by registered mail. You can include some legal mumbo jumbo if you wish, that's up to you.

And since you know what SOL means, ARO won't be able to sue you, so all you'll have to worry about is collection letters. And even at that, if you wanted to, you can return it to the sender and mark it, moved unknown forwarding address. Most agencies have a mail room that do not review agent notes and will mark the file so no letter will go out until it gets skip traced. But, since no one can call to confirm anything, the file will just be buried or ignored. All this until if or when ARO then sells the debt to another company like Arrow Financial or Genesis Financial.
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RE: Dave at ARO

Postby alexisyvr » Wed Jan 23, 2008 01:08:24 PM

Hey Gillian,

This agency is bad, they are the worst 3rd party collection agency out there. They have been calling my house for over a year for a person that does not live here (they have the wrong number) So they will not get a clue.

As your credit has already been "blown out of the water" the best thing to do is ignore all creditors, DO NOT PAY THEM!!. as it does not matter if you pay everything in full today, your credit will still be R9 until the SOL is up. SO if you last paid your bill in March 2003, then it will remain R9 until March 2009 wheater paid in full or not.

Just go and get a Capital One master card, you have to pay a deposit on it but it is no more then $75 and only use that for little stuff. Go and order pizza and then pay if off right away online. That way it will show an R0 rating (means card is paid off in full every month) and you are on your way!

Good Luck!
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RE: Dave at ARO

Postby gillian25 » Sun Jan 13, 2008 08:55:10 PM

hahaha Jaimewhatever. If you've actually read some of my previous posts you would understand why I refuse to deal with these people. In 2001 I fell into unfortunate circumstances financially, being a single parent with VERY little income coming in I did what I had to do and sent 3 out of 7 credit cards to collections. I had these card ALL in good standing for 15+ years until 2001. I paid off all in full and one of the 3 that went to collections.

However there were 2 companies in particular that I know I was treated unfairly even when I attempted to make some kind of arrangements for payment. I was sworn at, harassed at my place of work, recieved FAKE court judgement letters...and whatever other intimidation tactics legal or illegal they could pull out of their pocket.

What they were not listening to is that I was on a VERY limited budget and that what I was offering was not what they wanted. Therefore because of the treatment I recieved I refuse to deal with these companies.
Now, with that said, if these accounts are sold (even though they are past the SOL) I will gladly pay them, provided it is on MY TERMS, not theirs and I am treated fairly.
My goal is to repair my credit as it stands today and get back to where I was previous to 2001.
You seem to assume too much and personally you sound like quite a jerk. But that's just my opinion.
Love gillian
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RE: Dave at ARO

Postby cadude » Sun Jan 13, 2008 08:34:26 PM

What do you mean off YOUR back? Dave is the one bugging your roommate, not you.

And why do people assume that when a debt is SOL collection efforts stop? Most creditors don't sue you anyway, so in my mind the debtors are the one who is SOL ((edited for language) out of luck).

Now I understand the purpose of this website, and I support people coming here looking for advice, but what exactly are you looking for here? You clearly have avoided your creditors for whatever reason (plenty of reasons, you never mentioned yours), but instead of financial advice you are coming here looking to avoid your creditors by hiding behind your roommate and getting angry at Dave for doing what he gets paid for?

Unless you want to explain, why would anyone here want to help (except those anti-loving bill collectors).
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Dave at ARO

Postby gillian25 » Thu Jan 10, 2008 05:45:46 AM

Has anyone had to deal with this guy? British Accent, VERY pushy.. He called asking for me, I was not home and my roomate answered. He was drilling her for information, cell phone number, where I was, when am i returning...etc. She just kept asking him "who are you and can I take a message". She is NOT about to give out my personal information to a complete stranger. Everytime he asked a question she just kept replying.. who is this?...He wouldn't leave a number and just kept stating that it was a serious financial matter. Finally he hung up. Whats the deal with this guy. It annoys me that some complete stranger is asking personal information about me. Too bad for him he got nothing. How do I get this creep off my back. BTW.. the debt in which he is attempting to collect is SOL. Should I attempt to get ahold of him and tell him to leave me alone? Anyone have any ideas on how to get this guy to stop calling.
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