Dealing with Bankers?.The following 5 letters have been successfully used by a great many people over the past few years to effectively deal with creditor difficulties. No representations to the effectiveness of this strategy are intended and it is strongly advised that interested parties seek independent, competent advice when utilizing such strategies.  Know this material before using it!Letter 1Use with just about any type of financial obligation issued by a licensed financial institution: mortgage, credit card, bank loan etc. (Does not work if the loan is from a ?private? source.)Letter 1From:Date:To:Re:Account Number:To whom it may concern:I would like to make arrangements to settle the above referenced matter.Please provide me with your statement of the amount owing as of ________, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.Thank you very much.___________________________by:Letter 2AUse (with adjustments) when you receive the initial response from Letter 1 above, where they confirm an amount owing and provide some comment that the ?statements? or some other lame documentation they provide are evidence of the obligation.Letter 2AFrom:Date:To:Re:Account Number:To whom it may concern:Thank you for your letter of ________, wherein you confirm my outstanding balance as requested.Also, you have confirmed that ?the statements that _____(name of institution here)____sends are your evidence of my indebtedness to the Bank.? (This is a quote from actual bank letter and wording may vary slightly, but should where possible be quoted from their letter.)Accordingly, would you please confirm that the Agreement that exists between us which ratifies this specific application of these ?statements? and confirms me as the party obligated to the Bank will be delivered to me as the original instrument of indebtedness in its original form, in exchange for payment in full of my obligation as may be referenced by these ?statements?.Sincerely,___________________________by:Letter 2BUse (with adjustments) when you receive the initial response from Letter 1 above, where they confirm an amount owing and simply ignore the second part of the request.Letter 2BFrom:Date:To:Re:Account Number:To whom it may concern:Thank you for your letter of _______, wherein you confirm my outstanding balance as requested.It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form.Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before ____(pick a date like 15 days from sending the letter)____, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.Sincerely,________________________________________________by:Letter 3Use (with adjustments) when you receive NO response from Letter #1 above.Letter 3From:Date:To:Re:Account Number:To whom it may concern:I have sent you my request as of ________ for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form.It is apparent that you have overlooked or ignored my request. Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before ____(pick a date like 15 days from sending the letter)____, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.Sincerely,______________________________________________________by:NOTES:1. The concepts outlined in these documents will also work for most Court Orders to pay. Simply change the wording such that you are requesting confirmation that the court will accept payment in consideration of their delivery to you of the Original Order, as duly executed by ___(Judge name)___ and in its original form (which is the original instrument of indebtedness).2. This process will not work with private lenders because in most cases they can and willproduce the original instrument of indebtedness.3. If you receive any communication from a collection agency or lawyer representing the financial institution, you should follow the concepts outlined in the above letters but ONLY in direct correspondence with the financial institution.NEVER respond to a lawyer or collection agency with anything other than the concept outlined in Letter 4 (or 5) that follows.Letter 4Use when terminating communication with a financial institution?s lawyer or collection agent.Letter 4From:Date:To:Re:Account Number:To whom it may concern:I confirm that I have received a written communication from you dated ______ wherein you make reference to the above captioned matter.It is apparent that you are acting on the presumption that some relationship that you mayhave with ___(name of bank)___ , is in some way related to me. I am not a party to this implied relationship you have with ___(name of bank)___, either directly, indirectly or by means of any tacit consent.Accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us.As a courtesy and because you may find it helpful, I have attached recent correspondencebetween myself and ___(name of bank)___, wherein I have repeatedly offered to settle the mater between myself and ___(name of bank)___.Sincerely,___________________________by:c.c fileLetter 5Use as alternative to Letter 4 when terminating communication with a financial institution?s lawyer or collection agent.Letter 5From:Date:To:Re:Account Number:To whom it may concern:I confirm that I have received a written communication from you addressed to ___________ and dated ____________ wherein you make reference to the above captioned matter.It is apparent that either:i) you are acting on the presumption that some relationship that you may have with__(name of bank)__, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship you have with __(name of bank)__, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us; orii) you have entered into a contractual relationship inclusive of evidence of considerationpaid to or agreed to be paid to __(name of bank)__, which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between ____________ and __(name of bank)__.If indeed you have entered into such a contractual relationship with __(name of bank)__, as set forth in clause ii) above, then I hereby confirm that I -- accept your offer to reduce the amount of the alleged obligation from $______ to $______; and I confirm that I -- would like to make arrangements for settlement of the above referenced matter immediately upon you providing me with your written and legally binding assurance that you will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form that you must now be holding pursuant to the aforesaid contractual arrangement between you and __(name of bank)__.Sincerely,_____________________________________________by: authorized partyNOTE: The portion in last paragraph found between "--" may be omitted if not applicable.  Either way, remove the dashes.

http://consumerprotectionbc.ca/consumers-debt ... debt-collectionyou can follow this link and print the form for mail contact only. Or you can just write a letter to the creditors. It seems to take a week or so but after that, by law they cannot contact you by phone again. The exception is when one credit agency sells your debt to another,. Then you will have to submit a letter to the new company.this is BC law but it is pretty much standard across the country.

hanks for the heads up guys. This is Z-Com Collections eh? Here's many more of their numbers:-------------------------------(416) 916-9162(416) 916-90771-+1 888-879-40951-+1 866-863-31101-+1 855-420-90771-+1 855-411-9077(416) 260-7429(416) 484-5879-------------------------------Thanks for posting information i can't pick up my phone anymore without checking online first.. sad really. If they call you, don't pickup, if you do don't say a thing. I tried reasoning with these people by trying to arrange a payment plan but it is useless. They pretty much say #### YOU and Enjoy the Phone calls unless you can pay it all off. So i stoped talking to them, when i have the money to pay I will phone the bank to which i owe and make a settlement with them so these Skumbags don't make any cash for harrasing people and making them feel terrible.  To all the collectors posting on here, STFU. Thanks and bye Friends =)

hanks for the heads up guys. This is Z-Com Collections eh? Here's many more of their numbers:
-------------------------------
(416) 916-9162
(416) 916-9077
1-+1 888-879-4095
1-+1 866-863-3110
1-+1 855-420-9077
1-+1 855-411-9077
(416) 260-7429
(416) 484-5879
-------------------------------
Thanks for posting information i can't pick up my phone anymore without checking online first.. sad really.
If they call you, don't pickup, if you do don't say a thing. I tried reasoning with these people by trying to arrange a payment plan but it is useless. They pretty much say #### YOU and Enjoy the Phone calls unless you can pay it all off. So i stoped talking to them, when i have the money to pay I will phone the bank to which i owe and make a settlement with them so these Skumbags don't make any cash for harrasing people and making them feel terrible.  To all the collectors posting on here, STFU.
Thanks and bye Friends =)

the law is they can call your work one a week to verify that your employed only and can not release any information what so ever if they do , they can lose there license, further if more than two years old all they can do is call, they cant do anything to you unless they got judgement against you, they are a** wipes for sure but relies you have rights don't be the victim,

The guy called once a week, leaving a nonsense message - saying it is an emergency message.He even didn't know whom he is calling, just gave a what reference number.....