if you are looking for a process server in the Philippines you can visit http://scannerlegalservices.net/.

I am a Process Server who has to serve two people who work there with court papers that they have not paid some bills. One is their Senior Recovery Officer and another a Collector. The people live in Brantford, but trying to serve them is like trying to break down a wall at the CBCC-Credit Bureau of Canada Collections. They are quick to jump on people who owe money to them thru collections, but let their own people get away with owing...where do they draw the line in their collections?

Wayne Macleod has a picture of me on his desk- with crosshairs painted on it.

Ray

You are wonderful!

I was starting to lose sleep over this. I have one of those jobs that might be on the line due to the economy therefor paying this debt is not my priority now.. but I will pay it as soon as I can.

Other than this unpaid phone bill which is actually not showing up in my trade lines on the bureau but rather in the collections section, I have perfect credit. My score is still quite high. It's just that this cell phone company was completely ripping me off and charged me that amount for canceling a contract.

I bet the collection agencies just love this site eh??

Oops, sorry when I answered your last post, I forgot you were the person with the $800 Telus bill. If that's all it is, it's no emergency. Collectors are trained to create histrionics over any matter, big or small. It's part of the psychological manipulation to get you upset and unbalanced. That and the fact they're a few bricks short of a full load themselves.

They won't take you to court and nothing will happen if you don't pay them tomorrow, or next week, or next month or next year, In fact, the next time they call, tell them you'll see them in court. Naturally, they'll threaten you before hanging up, only to call back again many other days. Betcha $800!

Collectors are in a Christmas holiday feeding frenzy this time of year. with bonuses on the line for the top botttom feeders. The news of so many people losing their jobs and going belly up has them in a feeding frenzy. It's like dropping blood into a pool of sharks and piranhas when they see people losing their jobs. They know soon it's going to be a feast. .

They offered 60%. If and when you get some money, offer them 30% provided they give you that signed written agreement IN ADVANCE. The account is already R9 if it's even on the credit bureaus and so it can't get any worse. You should get it settled though because you will need credit in the future. Nevertheless, paying it off will only marginally help your credit score for the next while

Ray

Thanks Raymond,

They are really hounding me on this.. I offered to make a smaller pmt tomorrow with money that I really can't part with and they went for it but they still want the rest. They tell me to borrow money! What would happen if I don't make the pmt I promised?

What will happen if this does go to court? You say it would be to my advantage. Just wondering why? I thought that if it went to court I would end up paying all the legal fees plus my full debt.

I am sorry for all the questions.. I am just really scared about this stuff.

Other readers have gone through similar experiences with Brian McNulty, a Markham collections lawyer. These lawyers get 15 or 20 bucks for a collection agency such as CBCC (above) to use their letterheads to mail out threatening letters and pseudo-court documents. Of course, when they go out by the thousands....

For example, see the link below the experience blogger "mel alex" had with with McNulty; thread # 1280, August 8, 2008.

/threadview/1280.html

I wouldn't worry much about getting sued. They offered a 60% setlement; counter with a 25 or 30% one next year if you're in a position to settle and want to. They only have until circa Feb., 2010 to sue you but for that amount, it's very unlikely. Fear not; in a case like yours, even if they did take you to court, it would be to your advantage.

Don't get confused by "average joe."

Ray

Hello, I hope someone can help. I live in Ontario and owe Telus almost $800 from Feb 2008. I am in a situation now where I can't afford to pay this off.

I recently recieved a letter from Brian McNulty saying that if I dont call and pay within 7 days I will be seen in court. It's weird because when the people call me they say they are from Collect Cents and Credit Bureau of Canada Collections. Are they the same company??

They did cut me a deal saying that I can pay them 480 and be done with it but I cant afford that. I offered to make payments but they are not interested.

What should I do? Will they actually take me to court? PLEASE HELP I am scared that if they take me to court I will not only have to pay the full amount but the legal fees as well.