Pardon my ignorance...but....the "Jackson Method"???

Just wondering.

"A little learning is a dangerous thing....." Alexander Pope, An Essay On Man.

"Long live the law." Deanna Natale, On being called to the Law Society of Upper Canada Bar.

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Congratulations, you've just invented cold fusion. That 51 cent stamped letter should put the 120 billion dollar Debt Buyers Association in the US and Canada out of business by next week.

You're debt was a Washington State minor traffic ticket. I'm not sure what collection reciprocity, if any, the State of Washington has with British Columbia. Even if they do, the collection agency's cut on an 80 dollar ticket was probably 15 to 20 bucks. The agent's cut bugging you: 3 to 5 bucks. That's assuming there is a reciprocity law in place and the agency wasn't just working the numbers. Either way, not worth a whole lot of effort. It's not like Uncle sam is gonna try to sue or extradite you. Just be careful you don't get stopped while driving there again. I hear it's eighty bucks or 8 days with Bubba.

Try owing a few grand on a Visa (with iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency after you) and see how far that fax gets you. For that, we need the "Jackson Method."

Ray

Since I sent my letter, I have not received any more phone calls. Not even letters. those guys are finished! Long live the law =)

Well, there is the "Jackson Method," which never, never, never has failed to bring fast, fast, fast results. Far better than getting your toungue parched licking stamps.

Call blocking will not work if the collection agency has ANI (automatic number identification). Many agencies like Total Credit Recovery do.

Call screening is next to worthless because they may have a hundred different numbers they can call you from. Even if you knew all of them, usually, they still won't be filtered out by call screening. Collection agencies are telphone terrorists; they have the latest technology. They have to be one step ahead of their prey or return from the hunt empty handed.

Ray

Gotcha...so outside of blocking/screening calls, there is really no way to stop the calls, whether there is legislation or not...

Certainly no offense taken-I appreciate you taking the time to explain this to me.

"Collection Agencies fall under provincial/territorial jurisdiction. Collection agencies must therefore adhere to the rules and regulations of the territory they operate in. For more on how to deal with collection agencies....... "

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Krista, when you click that link, you get a summary advisory, the last paragraph of which is printed below. It simply states the obvious - that colllection agencies are under provincial jurisdictions, not a federal one; thats why I included it. On the website are 98 other links, most of which refer you to the instructions put out by one of the provincial ministries that govern them on how one should deal with a collection agency.

I'm sorry to offend you but I don't consider most of the "official" stuff put out by the provincial ministries worth the paper it's printed on with regard to this topic.

Again, whatever the legislation, collection agents don't pay any attention to it because the law isn't enforced. I've seen agents call people's mother the 2 hiphenated swear words, as well as a whore, repeatedly. I've seen them threaten to break people's legs and go on for 2 minutes with obscenities. I've seen them pose under all kinds of fraudulent identities to try and pull off all sorts of scams. And on and on and on.

I had one fired once, after I recorded her telling me to commit a certain perverted sexual act. However, I'm sure she was working across the street the next week (or the next day). Look at the stuff Deanna Natale Law Offices was/is pulling off with Total Credit Recovery and now Global Credit and Collections. Has anything been done despite a myriad of complaints to everyone from the RCMP to the local dog pound? They simply laugh in everyone's face because they know there's no enforcement of the law. Nor even any will to enforce it.

Yes, there are parallel Ontario rules, but I'm not going to bother quoting them again because collection agencies don't pay any attention to them. With that kind of volume, the government is powerless to do anything about it, even if they wanted to - which they don't. Besides, the whole collection industry would collapse in 2 days flat, if everyone in it followed all the legislation.

Don't believe me? Try telling one to stop calling you and see how many calls you keep getting from them or the agencies they've rotated your account to.

A few weeks ago, I challenged anyone to show me just one collection agent in Ontario, or even Canada, that ever lost his license for breaking the law. I'm still waiting.

Ray

Ok. To clarify myself then...

Below the BC Legislation is linked, to which it says:

"116 (4) A collector must not continue to communicate with a debtor

(a) except in writing, if the debtor

(i) has notified the collector to communicate in writing only, and

(ii) has provided a mailing address at which the debtor may be contacted,"

Is there a similar/comparable item for Ontario?

TIA.

I looked through what you linked, but couldn't find the actual statement?

I did see this, but it doesn't address asking the agency to stop calling you?

http://www.gov.on.ca/MGS/graphics/050461.pdf

http://consumerinformation.ca/app/oca/ccig/consumerChallenge.do?language=eng&consumerChallengeNo=267&text=collection+agency&topic=all&language=eng

No such animal. They're all provincially governed.

Very interesting topic...I was unable to get the links to work though-can someone either cut-and-paste the Canada-wide reference where they cannot contact you by phone if you request them not to? I would like to take this approach with a company that we are paying on a regular basis...but they keep calling...and calling...and calling...

While I am sure the information already supplied is correct, I want my 'legal lingo' to be up to par before I take this on.

Thanks in advance.