Keep calling a harassing me about a debt with MDG which I don’t know anything about

thanks apreciate the message being burnt twice by these scumbags garbage equipment ... with extras i never gave permission to ..

I got an email from Michelle Smit from Stephen Walters Professional Corporation, the address that she provided me leads to a BMA Management Consultants, same address and suite number but different phone numbers.

Angry/Michelle you are so full of it!!  Scam scam scam.  Must be nice to be able to sit on your a** from your house or wherever you are (because you are NOT in any type of law firm. as I said above I checked with the Ontario Barristers Society and this firm does NOT exsist!!) and try to scare people out of their money.  You can't serve and sue people in another province unless you are ready to fly to that province and appear LIVE in court there.  I am in NS and these calls are comming from Ontario.  Unless this Michelle person were to actually be willing to fly here and appear in small claims court, which would never happen, this is another way you are scamming.

People have found you out on the internet and now you are trying to put fear into them here.  Nice try but it won't work.  You can't sue someone from another province unless you appear in court there personally.  And most of these amounts are only enough to go through Small Claims court.  Small claims court can not garnish anyones wages.  
Honestly, I don't know how you sleep at night.

Scam Buster and everyone: Read the Collection Agencies Act or see summary in links. Know your rights. If Michelle Smit violated the law, everyone should report this law-breaker and her law-breaking company to the Ontario government.
http://www.gov.on.ca/mgs/en/News/STEL02_047078.html
http://www.gov.on.ca/mgs/en/News/STEL02_046979.html
http://www.e-laws.gov.on.ca/html/statutes/english/elaws_statutes_90c14_e.htm

Michelle Smit is not allowed to contact you yet, Scam Buster. It appears Smit violated Ontario law and regulations if she called you before first sending you written notice of the name of the creditor (Premier Fitness, Mademoiselle Curzon, Regency), the balance owing, the name of the collection agency, and its authority to demand payment. Looks like she failed to even send you a first notice, or a follow up demand for payment.

Michelle Smit is giving false and misleading information on the name of her agency whenever she identifies herself as 'Michelle Smit calling from Stephen Walters law office (or law firm)'. Her notices give her agency name as  Stephen Walters Professional Corporation or Stephen Walters Corporation. Even this may be a lie (try to Google these names and check yellowpages.ca and whitepages.ca, it does not exist) and her real company name may be something else. Do not be surprised if her real name is something else.

Smit cannot claim to call from a 'law office' or 'law firm' if no lawyer with that name works in that office location. Mention this to the government and contact the law association.

Smit violated the law if she if she used threatening, intimidating, coercive, profane language or used undue, excessive or unreasonable pressure on any of you. If she wants to notify a credit bureau of your failure to pay, you could also put a note in your file stating that this claim is disputed (Equifax tel: 1-+1 800-865-3908).

Has anyone visited her so-called office at 8 Main St. E., Suite 307
Hamilton, ON L5N 1E8? Does it exist for the purposes she claimed?

Keep a copy of ALL her voicemail messages and note the time, date and frequency of her calls if possible. Try to keep the original messages on your original voicemail. Do not speak with Smit without recording what she says. Better still, just let her leave voicemails on your phone.

I just began having the same problem. I got a threatening latter for the first time in 2 years after canceling more then 2 years ago to pay then $23 or they will take it to a collections agency.

If I don't pay will the collections agency come after me for $20? Will my credit be ruined?

Thanks,
Mario

Hi I'm so glad this forum was created.  Received the same message as above re: claim.  I can't wait to get out of work I am going to call and bi*** her out so badly.  The only gym I ever belonged to was years ago and Premier Fitness was never in Canada.  I'm going to advise her that I know her location and I'm calling the cops to pay her a visit.I knew she sounded so fake. J

I got some harassing messages from this Michelle Smit B*tch, claiming she works for Stephen Walters Law firm, and trying to collect from yet again Mademoiselle. EVERY collection agency tries pathetic tactics to get you to pay money on their dead line which is always an unreasonable amount of time such as a week or so. I was going to pay this woman with four post dated checks, and after reading up o her I am so glad I didn't. She called me 5 times in four weeks, and I refuse to pay her a single dime, as I had only every been to that gym for 45 minutes and was told by mademoiselle that I can not cancel. I have yet to receive any letter from her claiming she will take me to court, to pay for it all. But if I do I will have just as little belief in that letter as I did when mademoiselle was sending me the threatening letters. If this woman calls you, do not agree to pay her a dime, do not talk to her. Her claiming she works at this FAKE A*S law firm is only an attempt to intimidate, and I know at first it worked on me so it must have worked on other people. And in all honestly my credit score is already lower seeing as I never did pay the gym, it's not going to get any lower. Don't be tricked into her scamming ways, tell her to eat it.

Scam Buster, soon you are going to recieve a demand for payment in the mail that states you have 5 days to pay up or she will contact your current employer, take you to court and make you pay for ALL fees, and other harrassing tactics are listed... Her rediculous little "office" is located at:8 Main St. E., Suite 307Hamilton, ON L5N 1E8It's a collection agency, and Michelle Smit is a snake. Watch out for her.