As a Chatham bankruptcy Trustee, I receive calls and emails from people wanting to know what to do about aggressive collection agencies.
Collection agencies are calling because money is owed and they want to collect it. So what do you do?
1. Make a payment arrangement with them
2. File a consumer proposal
3. For bankruptcy
If you need proof of the debt, advise the collection agency that you will not pay them until you have proof that you owe the money.
If you can’t pay the debt, you need to speak with a professional who can help you. You can call us at 519-351-2323 or 310-PLAN and we are review your situation in detail. Their is no charge to speak with us.
What shouldn’t you do?
You shouldn’t ignore the collection calls and letters. If they can’t reach you, they will probably just start legal action.
Don’t make a commitment you can’t keep. Deal with them in a forthright and professional manner.
For more information about dealing with collection agencies, their rules and the complaint process, contact the Ministry of Consumer Services.
Call us at 310-PLAN and we can review your situation in detail and help you with a plan that is right for you.
About Rebecca Martyn is a bankruptcy trustee and consumer proposal administrator responsible for the Hoyes, Michalos & Associates office in Chatham, Ontario.
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