What a literate response Walter. It's always refreshing when a grown man behaves like an utter imbusul. And you spelled "f***" wrong. Perhaps you should invest in a dictionary...oh wait, you're indebted, so I'm assuming you cannot afford one.

ya she called me to about an ikea card i had for ever ago. i didnt think they could make me pay after 2 years or whatever but she gave me a pretty good deal. she did something that got my account from 2 grand to 600. so it was okay but man she is bitchy

are you walter i got no repsonse to my call,
unknown to me.
she would tell me who she was?

This woman is a garnishee lawyer. She cut my pay so bad for a citi bank master card I had. I tried so many times to complain about this girl but it got me no where.. If she is calling you, just settle out all your accounts because they will garnish your wages and take %20 of what you make. Its alot when you see it missing from your cheque.. Not to mention how embarrassing it is when all your bosses know your being garnished.

Maybe if you people paid your bills then it wouldn't be neccessary to contact you at work.

You "didn't think they could make you pay after two years?" Glad to see that you knowingly decided to avoid your financial obligations. That is essentially synonymous with stealing. There's a fine line between financial hardships and just plain ignorance, stupidity and irresponsibility.

People complain endlessly about being contacted by collection agencies, but the simple fact is the majority of these same people could not afford the credit that was taken out in the first place. Making minimum payments and racking up credit and then complaining and playing the role of the martyr when employment becomes scarce or non existent is not an excuse.

Situations do arrise where people have terrible things happen to them, and that is why when I speak with people I give them the benefit of the doubt, and try to help them to appease the situation. When people act hostile and as though it is the collection agencies fault that they are debt, it merely reinforces the unfortunate fact that Canada is disgustingly uneducated and ignorant when it comes to credit, budgeting and the repercussions of financial default.

Before you start swearing and condemning collection agencies (and believe me, I am not excusing the behaviour of certain aggressive and blood thirsty collectors) I believe that people should assume financial responsbility of their life. We do not HAVE to give you a settlement, it is a courtesy not a right. You spent the money, regardless of whether or not you understand the concept of interest or APR'S, it is the reality. It is how banks make their money, it is in your contract.

Complaining about how 28% of interest was added to your credit card bill does not shift the responsibility. When you pay minimum payments you get yourself into a whirlwind, and it your obligation to fix it. Neglecting your bills and then complaining about the banks and the interest rates is merely scapegoating.

Let's grow up people.

Its a collection agency you drunk F***!