These collection people phone too often,sometimes twice a day. They phone you at work and attempt to embarrass you by talking about you to your fellow employees or supervisors. After several conversations with them they just don't get it. Complaints to the Better Business Bureau didn't go far. Check out Canadian Criminal Harassment or stalking law.
This number 1-416-399-2515 called and saying that he'd like to lower my interest rate. He was looking by our last name and we're 7 in the family with the same last name. All my kids are 18 years old and above that's why I asked who among us he would like to speak with. And he just say I'm stupid.....well, this guy should watch his manner over the phone.