Caller: Commercial Credit Adjusters

CCA.ca

If you owed money to some company and didnt pay, they buy that debt for pennies on the dollar after that company has written it off their books as losses and received a tax break of around 25%(depending on their annual profits). If that debt is over two years old, it is near impossible for anyone to win in court. If you do not plan to pay, do not you say who you are, that you had a debt or give them any information whatsoever. Tell them they can contact that debtor by mail, not to ever call your number and if they do, they will be fined. Do not confirm any information as by doing so will Re-ADMIT and refresh the debt to day one - restarting the clock.

If you have noticed that different collectors have called you for the same debt that is because that 2 year clock ran out on them so they sold it to another creditor for them to continue the only way they will ever collect... harassment.

If you plan to repay the debt, never deal with anyone but the company you have the contract with. If they say they wont deal with you and that you need to deal with the collector, you will then understand that they no longer have the right to collect from you.

Just because a creditor writes off the debt does not mean you do not have the opportunity to pay or settle the debt as they can simply adjust their accounting. By paying a collector, you are only paying for whatever they paid for the debt... pennies on the dollar... and the rest is pure profit. None of it goes back to the creditor.

Those who pay creditors provide them the means to continue the scam.

Pay your bills and it will be far less likely you will be harassed.

If you can not pay your debt, offer to settle it for a less amount. This can also be done through debt consolidation. Depending on the situation, they would prefer to accept 50% from you as they would still be ahead rather than writing off the debt and selling it to collections. Be sure to have it in writing before paying anything.

Get your credit report to see if the debt is listed. All debts listed with Credit Bureaus can be contested and especially if they aged.

www.debt.ca

(905) 667-1404no message left

GOt a call tonight. It's for diabetes looking for some donation or something

Calls and asks for wife won,t say who it is. Keeps calling all the time, Jerk

This number calls our house 2 - 3 times a day.  Don't know the number so don't pick up.... my answering machine comes on at the 5th ring.. they usually hang up before this.  
Facinating that NO ONE can do anything about this... they should put their energy into something more constructive than scamming people!  Losers.

This number has called me 2 or 3 times a day, every weekday for almost 2 months. They let it ring 2 or 3 times then hang up (my voicemail picks up on 5th ring, so they've never left a msg) - when I do catch it before they hang up, there's nobody on the other end.

When I called the number back ( it is long distance for me to call)...a tone comes on before it even rings and a pre-recorded voice says "Due to Network difficulties, your call cannot be completed at this time.  Please try your call again later."   What the hell does THAT mean?I get this number calling me at least twice a week for at least the last two years or so.  Aggravating buggers.