Collection Agencies - Credit Bureau Collections aka Collectrite aka Christensen's Law Office - Canada

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RE: Credit Bureau Collections aka Collectrite aka Christensen's Law Office

Postby anjeeb1 » Wed Nov 27, 2013 08:28:37 AM

The people at this firm are collectors with law degrees which provides them with certain protections. Their business practices and ethics are questionable at best. Without my knowledge, Christensen's obtained a default judgement against me and then let it sit for a number of years. Roughly two years ago my ex received a letter from this firm detailing a debt I supposedly owed to Capital One as well as a copy of the default judgement and the lien they had placed on a jointly owned property. I knew there was something drastically wrong as I had never opened an account with Capital One. All requests made to Christensen's for further information on this account went unanswered. The only communication I received from them was the threat of further court action so I obtained legal counsel. Requests for further information by my lawyer went unanswered. It wasn't until my lawyer filed a motion to have the default judgement set aside that there was any kind of a response from them by which time I had made a PIPEDA request and had received some of the information on this account which had been opened in my name. To make a long story short, the action against me was dismissed but it doesn't end there. Even after the dismissal in the courts Christensen's sent me another letter threatening further court action so once again back to my lawyer. Christensen's response....oops....our bad. This adventure is not over as there is now another collection agency involved but that it is for another thread.
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RE: Credit Bureau Collections aka Collectrite aka Christensen's Law Office

Postby janis_fransices » Fri Oct 18, 2013 03:39:56 AM

if he was not served with papers can u not go back and argue with the court that you were not served and have the judgement thrown out
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RE: Credit Bureau Collections aka Collectrite aka Christensen's Law Office

Postby lomg488 » Thu Oct 17, 2013 05:59:05 PM

Oh and btw. They're a law firm but also have a collection agency connected to them as a seperate business thats why when the main phone line answers they say both companies to direct you to the right business
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RE: Credit Bureau Collections aka Collectrite aka Christensen's Law Office

Postby lomg488 » Thu Oct 17, 2013 05:56:25 PM

I meant to say like any other UNsecured debt
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RE: Credit Bureau Collections aka Collectrite aka Christensen's Law Office

Postby lomg488 » Thu Oct 17, 2013 05:55:19 PM

Cleary you don't know what you are talking about. Christensen Law Firm as been RETAINED by Capital One (their client) if you DO NOT pay back your debt then you will get sued for it. Just like any other secured debt. They are not illegally obtaining judgement. They are not a collection agency. I did have a debt with their client and Christensen law Firm did nothing but help me through that ! You are served and if you do not file a defense then you are in default. Which creates automatic default. Nothing they do is illegal. They are all registered in the law society of upper canada so do your research. If you do not want a problem then pay your bills. End of Story !
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RE: Credit Bureau Collections aka Collectrite aka Christensen's Law Office

Postby living4 » Mon Jun 03, 2013 05:28:15 PM

I too have been receiving these letters. However by the time I took any of it seriously, they filed a lawsuit and received a default judgement. I was never given a date and time to attend the judgements, but was court paperwork stating they would begin the law suit if I did not reply to their inquiry. The next court paper was the ruling.

What they are doing is and has to be illegal. They are debt buyers acting as Capital One. I advise all who receive letters from the so call Todd R Christensen law firm to take it seriously. Had I done so or would have known the court date and time of the ruling, their case would have been thrown out of court. It is illegal for the debt buyer to sue as the representative of the creditor. In this case, Capital One sold my account, Christensen Law Firm [a.k.a Credit Bureau Collections] well before the Statute of Limitations [2yrs in Ontario]

Since I wasn't wise to obtain a lawyer and attend the court proceedings, the SOB won with a default ruling. now years later, though what they did is considered illegal, I have no other option then to pay the amount they have requested. But not before receiving documentation that all ruling will be omitted once payment is received - and they will add settlement to my nearly 6 year delinquent account.

I am not advocating not paying our overdue bills. it is just that when I was in a position that I could no longer pay, I had lost my job, was heading towards a divorce, and had lost everything. Now 5 years later, I am in a position to pay all my depts. - I just wish I knew then what I know now.

I recommend everyone listen to Mark Silverthorn at http://www.youtube.com/user/masilverthorn?feature=watch

Not all Collection companies run a shady company, but this so call law firm does.
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Credit Bureau Collections aka Collectrite aka Christensen's Law Office

Postby binkers » Thu Aug 04, 2011 01:07:41 AM

Received a letter on what appeared to be photocopied letterhead from Christensen's Law Office regarding an alleged debt with Capital One. I contacted the number provided only to find that I was actually calling Credit Bureau Collections aka Collectrite. Where it gets interesting is that according to the 2010 Cambridge Business/Industrial Directory Todd Christensen is listed as being inhouse counsel to Collectrite/Credit Bureau Collections and not as a principal in his law office as one would expect to see. Seems to me that this a collection agency acting under the guise of law office. How is it that he can get away with this?
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