.........................................................................................................................................................................................................................................
Double click to edit
Cana Solutions
.........................................................................................................................................................................................................................................
.........................................................................................................................................................................................................................................
.........................................................................................................................................................................................................................................
At Cana Solutions Inc. Our Team of Certified and Qualified Credit Counsellors specialize in reducing your debt.
Now you can calculate interest rates, present values and mortgage future values using our featured calculator
Keep yourself updated with the latest debt reduction offers.
DEBT SOLUTIONS
FINANCE CALCULATOR
EXCLUSIVE OFFERS
QUICK LINKS
Taxes, after all, are dues that we pay for the privileges of membership in an organized society.
Franklin D. Roosevelt
"
"
“Success is simple. Do what's right, the right way, at the right time.”
Arnold H. Glasgow
Quotes Corner
DEVELOPED BY:MERCHANTCO WEB SOLUTIONS
www.merchantcointernational.com
BETA VERSION
www.canasolutions.com
|
|
|
|
| Credit Bureaus | ||
| What Creditors Can do | ||
| Dealing with Collection Agencies | ||
| Glossary | ||
| Useful Links |
|
|
|
|
|
|
|
|
|
|
CALL NOW: 1-8772-DEBT (3328)
SEARCH
|
|
|
DEALING WITH COLLECTION AGENCIES
CANA DEBT SOLUTIONS!
YOUR DEBT SOLUTIONS MANAGER
If you can say yes to one or more of the following, you may have a debt problem or be headed towards one.
Collection Agencies are largely an unregulated industry and can sometimes be very difficult to deal with. There are basic rules that they are to abide by and you can lodge a complaint against them if you feel you are being unduly harassed.
When you owe money to a business (store, bank, credit card, utilities, etc.) and you don’t make the payments to them as agreed, they can hire a collection agency to try to recover this money from you.
First of all, when you are notified that your account has been turned over to a collection agency “DON’T PANIC”. The agency just wants to collect the money from you; they don’t want to make life unbearable for you, it just feels like that. Remember your attitude and cooperation will go a long way to solving the problem.
Once your account has been turned over to a collection agency, you must deal with the agency and not the company you originally owed the money to. If there has been an error made on your account, you can go back to the original creditor.
When possible, pay the full amount of money you owe to the collection agency and they will close your file and you won’t hear from them again. Always keep a copy of your receipt or cancelled cheques as proof of your payment.
If it is not possible to pay the amount in full, contact the agency, explain your situation and try to make some sort of payment arrangements. If they agree to this, make sure you follow up on your end of the bargain. If you don’t, you are asking for more problems and may be subject to legal action.
NEVER PAY IN CASH, UNLESS YOU CAN GET A RECEIPT. Always pay by cheque or money order so that you have proof of your payment.
A collection agency must:
o Notify you of who they are collecting for.
o Advise you in writing before taking legal action.
o Not call before 7:00 am or after 10:00 pm.
o Not make abusive calls or so many calls that they are considered harassment.
o Not contact you at work if you have asked them not to. You must however provide an alternative time and phone number for them to call and you must be available.
For complete information on what a collection agency can and cannot do go to:
www.servicealberta.gov.ab.ca
Click on “publications” then click on “tipsheets”.
WHAT TO DO IF THE COLLECTION AGENCY IS BEING ABUSIVE:
Ask for the person’s full name and obtain the correct spelling.
Ask for his or her phone number and fax number.
Ask for an account or reference number.
If they are being abusive or harassing you, inform them that you will tape the conversation.
Makes notes of the conversation and whether that person was yelling, threatening or swearing at you. If necessary, hang up the phone.
Contact Alberta Government Service at 1-877-427-4088 to find out your rights.
When you owe money to a business (store, bank, credit card, utilities, etc.) and you don’t make the payments to them as agreed, they can hire a collection agency to try to recover this money from you.
First of all, when you are notified that your account has been turned over to a collection agency “DON’T PANIC”. The agency just wants to collect the money from you; they don’t want to make life unbearable for you, it just feels like that. Remember your attitude and cooperation will go a long way to solving the problem.
Once your account has been turned over to a collection agency, you must deal with the agency and not the company you originally owed the money to. If there has been an error made on your account, you can go back to the original creditor.
When possible, pay the full amount of money you owe to the collection agency and they will close your file and you won’t hear from them again. Always keep a copy of your receipt or cancelled cheques as proof of your payment.
If it is not possible to pay the amount in full, contact the agency, explain your situation and try to make some sort of payment arrangements. If they agree to this, make sure you follow up on your end of the bargain. If you don’t, you are asking for more problems and may be subject to legal action.
NEVER PAY IN CASH, UNLESS YOU CAN GET A RECEIPT. Always pay by cheque or money order so that you have proof of your payment.
A collection agency must:
o Notify you of who they are collecting for.
o Advise you in writing before taking legal action.
o Not call before 7:00 am or after 10:00 pm.
o Not make abusive calls or so many calls that they are considered harassment.
o Not contact you at work if you have asked them not to. You must however provide an alternative time and phone number for them to call and you must be available.
For complete information on what a collection agency can and cannot do go to:
www.servicealberta.gov.ab.ca
Click on “publications” then click on “tipsheets”.
WHAT TO DO IF THE COLLECTION AGENCY IS BEING ABUSIVE:
Ask for the person’s full name and obtain the correct spelling.
Ask for his or her phone number and fax number.
Ask for an account or reference number.
If they are being abusive or harassing you, inform them that you will tape the conversation.
Makes notes of the conversation and whether that person was yelling, threatening or swearing at you. If necessary, hang up the phone.
Contact Alberta Government Service at 1-877-427-4088 to find out your rights.