Hi gns , Whom do you owe the money to? I'll recommend bypassing these morons and dealing with them directly unless they happen to be MBNA Credit Card Directory.
In my experience this one is the worst of the lot. I've had dealings with ARC , Collectcorp , iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency and these goons and the first three come out smelling like roses compared to this piece of crud! And I owed them much more!
Not to say that the first three didn't give me problems , they did. They have hung up on me , called my employer more than once , contacted people with my same last name (only 3 in the GTA , must have thought we were brothers..) , etc.
But what they did NOT do was CRIMINAL HARASSMENT , FRAUDULENT MISREPRESENTATION and PETTY THEFT.