she called my cell and asked abt my add and i told her that she needs to say it so that i can confirm it.She said it doesn't work that way and your credit will be hurt for 6 years and hanged up on me.But when i googled it it seems there is a company.

Kept calling my number asking for someone else, I've told them many many times not to call my number again. Now seeking a lawyer for harassment

I have had numerous letters from Global Credit & Collection Inc. concerning a debt I owe.  I finally called them and right away they offered me a settlement amount for less than I owed.  They also said they noticed I had another debt on file for a credit card and offered me a settlement of 60% but only if I paid the next day. Has anyone else dealt with them?  Should I pay them and if I do will my debts be cleared?Very nervous and suspicious of this because it seemed too easy!

This link might help some people:http://bankruptcy-ontario.org/bankruptcy-in-o ... of-limitations/Summary:Section 4 of the Ontario Limitations Act states that:    4. Unless this Act provides otherwise, a proceeding shall not be commenced in respect of a claim after the second anniversary of the day on which the claim was discovered.In simple terms, a creditor is required to commence legal action against you within two years. This two year period is generally acknowledged to be two years from the date you stopped making payments on the debt. If you defaulted on your debt before January 1, 2004 however, your creditor has 6 years to make a claim for payment.

As someone who went through a nasty divorce and later got sick, really sick I have dealt with account receivable and collector's a lot. Your first priority is to the health and welfare of yourself and your dependants.            - The job of the above people is to secure payment from you as soon as possible. Some individuals on the phone don't care about you and your welfare at all.You see collectors of these forums always say pay your bills and you won't get calls. My take on this is that they are young brainwashed people who have never been through a financial hard ship. I have not been able to confirm this.MCA is nothing more than a 3rd party service company. Representing your original creditor. A flaw in the system is that when collection agency personnel treat you with utter disrespect, no one is willing to come to your defence. They often go unchecked. I have an experience with MCA they have ignored me for 3 years and  I have reopened the old wound. I will give them a little longer to do the right thing and apologise before I tell the world what they did. Rogers ignored my complaints too. They lost all my business over it, and I am not going to drop it.What to do:   Develop a budget: determine how much you can pay and pay it monthly. This amount will vary so NEVER make a promise to pay. Some people will abuse this too. Rogers does. Until MCA and or the offending employee gives me a written apology, my advice is to NEVER discuss anything with them on the phone. Discuss your situation with several employees at your original creditor. Some will play hard ball and tell you its too late as a pressure tactic. Things will domino downhill from there. I have experienced this with Rogers.Important: write to your creditor (include date on letter) and describe your hardship.  Inform them you want to pay them but can only afford so much. Also include that you don't want to enter a "promise to pay" as the amount you can afford will vary month to month. Print a second copy to keep. Don't rely on your computer's hard drive, they do fail.Pay something monthly: If you do you have hardcore solid evidence that you are interested in paying them off. remember their employees are trained with the mindset that the longer it goes unpaid, the less likely they are to recover it. That is why they apply pressure tactics.      - Pay the creditor directly, and pay from your bank account. Once 1 or 2 payments go through you are in a better situation to talk to them, until them you appear to be a deadbeat. Remember: the more calls you make to the creditor the more money it costs them. roughly $3 for a 5 min call. Keep calling until someone will talk to you. Roger's bill for ignoring me is about $1700 and climbing, all over a $400 cancellation fee that was applied to someone elses account (not mine) by mistake.PS the income that Roger's has missed out on as a result of this is close to $5000 and climbing. I cancelled my Rogers accounts after my experience with MCA and Rogers (remember it wasn't my account).

it is a debt collection agency called "metropolitan credit adjusters ltd" and they will call again ...and again. i owe rogers money and they are trying to get it out of me. they have offices in edmonton..vancouver..mississauga and montreal. by law they cant call you more than 3 times a week.

I got a call from them saying that i apparently owe $4000... I don't even had any debts with that amount. The lady left a message and said that if I didnt pay i would have bed credit for 7 years. So I call her and ashe doesnt answer her phone...sketchy! I think so, they're trying to scare people into paying them.. DO NOT PAY THEM ITS A SCAM!!

After re reading your post again the email part concerns me. It is a big red flag for a scam. Call the original creditor ASAP and sort it out.