Somewhat funny here... I say this because last week I recv'd 3 notices from 2 different agencies (MJR & CRM) over 3 different outstanding 7+yr old debts with TD (Overdraft, LOC and C.C.). Their phone calls have just recently started, and today when I went to chat with the fellow over a "Very Urgent MSG", I told him to hang on a second as I take my jacket off (I had just come in the door) and he immediately hung up on me. Humm...!?! LOL!! (Had he not, I would have treated him like a 976 call girl - that's always fun and freaks them out)
So, in my case it doesn't matter. These debts are stats barred and no longer on my credit reports. I'm guessing that this is TD's last attempt at collecting the debt before they sell it off to a 3rd party (Acktiv Capital, etc..).
My advice to others: Know when your debts are stats barred by provincial legislation at time of default. Verify your credit reports and determine if debts have been sold to a 3rd party. Refrain from overreacting - i/e: Don't let them make you scared. Have your facts in check then play your cards.
this number keeps calling looking for a deadbeat degenerate gambler that worked for me
they are funny
i actually looked up the dudes house number his aunts and uncles ALL known relatives i could find and left that number with the collection agency
they finally stopped calling the business
EVERY DAY LOOKING FOR SOMEONE THAT DOES NOT WORK FOR ME
ahahaa
losers that can't pay their bills
Yeah they are an collection agency,basically any 1(866) # are from collectors or solicitators.Beware though some might be a scam from an con artist.They usually use caller i.d. spoofing in order to decieve.If they claim to be from a collection agency just ask for them to confirm your identity such as asking if they know your d.o.b. ,address,sin# etc. If they can't provide the answers then that's your cue that their up to no good. If they are indeed from a genuine collection agency and you know that you are delinquent in your payments then you should not worry too much,because they really have no legal grounds to sue you or even garnish your wages lets alone confiscate your assets.The reasons for this is simple,according to the contract you signed and agreed with your creditors,it clearly stipulates that you owe the money to them and them alone.once your creditor write of the amount they are unable to collect and sell it to an collection agency,then your no longer legally obligated to pay them,simply because the contract clearly stipulates that you owe the money solely to the creditor and not the collection agency.Furthermore when the collectors do make the threat of suing you,they know that the have no legal grounds,their just saying it in order to scare you into paying.Collectors usually buy written off debt from your creditors by say purchasing it for 20 cents on the dollar. This is basically how the collectors are able to profit.
Yeah they are an collection agency,basically any 1(866) # are from collectors or solicitators.Beware though some might be a scam from an con artist.They usually use caller i.d. spoofing in order to decieve.If they claim to be from a collection agency just ask for them to confirm your identity such as asking if they know your d.o.b. ,address,sin# etc. If they can't provide the answers then that's your cue that their up to no good. If they are indeed from a genuine collection agency and you know that you are delinquent in your payments then you should not worry too much,because they really have no legal grounds to sue you or even garnish your wages lets alone confiscate your assets.The reasons for this is simple,according to the contract you signed and agreed with your creditors,it clearly stipulates that you owe the money to them and them alone.once your creditor write of the amount they are unable to collect and sell it to an collection agency,then your no longer legally obligated to pay them,simply because the contract clearly stipulates that you owe the money solely to the creditor and not the collection agency.Furthermore when the collectors do make the threat of suing you,they know that the have no legal grounds,their just saying it in order to scare you into paying.Collectors usually buy written off debt from your creditors by say purchasing it for 20 cents on the dollar. This is basically how the collectors are able to profit.
Yeah they are an collection agency,basically any 1(866) # are from collectors or solicitators.Beware though some might be a scam from an con artist.They usually use caller i.d. spoofing in order to decieve.If they claim to be from a collection agency just ask for them to confirm your identity such as asking if they know your d.o.b. ,address,sin# etc. If they can't provide the answers then that's your cue that their up to no good. If they are indeed from a genuine collection agency and you know that you are delinquent in your payments then you should not worry too much,because they really have no legal grounds to sue you or even garnish your wages lets alone confiscate your assets.The reasons for this is simple,according to the contract you signed and agreed with your creditors,it clearly stipulates that you owe the money to them and them alone.once your creditor write of the amount they are unable to collect and sell it to an collection agency,then your no longer legally obligated to pay them,simply because the contract clearly stipulates that you owe the money solely to the creditor and not the collection agency.Furthermore when the collectors do make the threat of suing you,they know that the have no legal grounds,their just saying it in order to scare you into paying.Collectors usually buy written off debt from your creditors by say purchasing it for 20 cents on the dollar. This is basically how the collectors are able to profit.
Yeah they are an collection agency,basically any 1(866) # are from collectors or solicitators.Beware though some might be a scam from an con artist.They usually use caller i.d. spoofing in order to decieve.If they claim to be from a collection agency just ask for them to confirm your identity such as asking if they know your d.o.b. ,address,sin# etc. If they can't provide the answers then that's your cue that their up to no good. If they are indeed from a genuine collection agency and you know that you are delinquent in your payments then you should not worry too much,because they really have no legal grounds to sue you or even garnish your wages lets alone confiscate your assets.The reasons for this is simple,according to the contract you signed and agreed with your creditors,it clearly stipulates that you owe the money to them and them alone.once your creditor write of the amount they are unable to collect and sell it to an collection agency,then your no longer legally obligated to pay them,simply because the contract clearly stipulates that you owe the money solely to the creditor and not the collection agency.Furthermore when the collectors do make the threat of suing you,they know that the have no legal grounds,their just saying it in order to scare you into paying.Collectors usually buy written off debt from your creditors by say purchasing it for 20 cents on the dollar. This is basically how the collectors are able to profit.