These guys are really not very nice at all, they harrass you at all times of the day and never stop

This company has a reputation for being very aggressive and will definitely "BREAK THE LAW" in order to collect. The company name is ARC "Accounts Recover Corporation". They have offices across Canada. Just like most recover companies they buy bad debt from lending institutions and then try to collect what ever they can because they buy the debt at a much lower cost then what the original borrower owed. So if someone owes a bank 10,000 and goes broke, ARC will buy it for 40% or lower of original cost and try to collect the 10,000 plus interest. So if you are in a position of wanting to pay you can definitely settle for less!!!  

Bad ratings do come off your record after 6 years. ARC will threaten to put back on your credit report and by law they are not allowed to if you don't confirm verbally or written that you owe them money. They try to trick you into confirming on the phone and are very aggressive and  rude. I actually had them curse at me saying "you F@#king A**hole" and much more when I didn't fall into their trap. You have to know your rights as a Canadian and yes really good people make mistakes and fall into unfortunate situations. There are always new ways to start fresh and don't let ARC or any other collection agency tell you differently and of course some people on here, because I guarantee you ARC is looking at this and writing their own comments in here ;)

Now it has been 11 years since my debt has been off my record and paid back directly to the institutions I owed them to, but ARC still calls???? They did threaten to put back on my record recently and I did check and guess what, they did!!!???? I did contact a lawyer and I am in the process of suing this company for a lot of money, the papers are being drawn up as I type this. My lawyer says I have a very good case!!  They have no right in ruing lives, they just want to scam people into paying them. 99% of these collections they are trying to collect are out dated. They can't collect!!!!

So if you find yourself in this situation with ARC, don't answer there questions and you can have them served papers from a lawyer if you have the means to do so.  Know your rights! I do, as I have done a lot of research on this matter.

Bill collecter, ARC.

They Claim to be ARC a bill collector and ask for personal information with the excuse to verify what they have in file.

Possible identity theft: very rude and aggressive, but claiming to be from banks, asking for birthdate and Social Insurance Number.

Got a call from this number at my work number asking for a name I never heard of. ?Sounded like a collection agency.

This number continually calls me, harrassing me and without me giving them my work number they are now calling me at work. need this to stop