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

http://www.411.com/search/ReversePhone?full_phone=(905) 667-1404

Got my first call from this number. ?If it doesn't have a name with the number i always check before answering, so Thank You

Got a call just now, asked for me by last name.
I asked "Whos calling"
He said again "Is this Mr. Lastname?"
I asked "who is calling"
Fake hangup.
I have a Panasonic phone, so I just added the number to our phonebook, wiht a "call Block" feature and that will be the end of Mr Scammer.

i get calls from this number  ...don't answer, no message left, when i call back...recording says i have dialed a number that is no longer in service???

ditto. I hate them!

phoned as for wife I said"wait a minute" and then he hung up.Used my Wife's name.I have been calling back but no answer.