purchase a recording device so that it will tape your telephone conversation.have them give you as much information as possible. keep them on the phone to record as much of the conversation as you can.who the principal is, when was the loan date, what was the limit, when was the default, how much was the default for, how much is it now, what was the interest rate, what is the interest rate now, etc. etc. etc.then have them hold. rewind the recording and tell them to listen.once their know they're recorded they will probably hang up and you may not hear from another collection agency until they sell the debt to someone else.check your credit report to find out the contact information for any outstanding debts.contact the creditors and either cut a deal with them or bring them into a contractual arrangement.write a letter to the credit reporting agency(s) and let them know you have dealt with the situation. the creditor has 30 days to appeal or the credit agency removes their reporting record of your debt.good luck

Carey Shaw

10109 106 St Nw, Suite 600
Edmonton, AB T5J 1H3

(780) 441-4000
Job:Services Financiers Nco Collection, Branch Manager

good quote

they were really aggressive about a debt, i have filed bankruptcy because of a business failure and he started calling me names

Had the same call.  Right surname wrong name, but initials were correct.  When I asked what was all this about, a girl said it's a small business matter, apologized, and hung up.The number displayed was (780) 441-4000

They have been hounding me for WEEKS for an old energy bill from 2009. I used the same company for energy until 2010 and was never sent anything saying I owed almost 500 dollars. I never admitted to the debt but asked for a invoice to show me why I owed it and what house and they keep making up excuses on why I have not recieved it and always end with you should probably just pay the debt. Ummm no. I haven't even lived in Alberta for 2 1/2 years and now this is coming up!? Suppppper sketchy and i'm not falling for it!