Comments on: Six ways to deal with collection agents http://www.moneysense.ca/2010/05/21/six-ways-to-deal-with-collection-agents/ Canada's Personal Finance Website Tue, 07 Feb 2012 23:29:03 +0000 hourly 1 http://wordpress.org/?v=3.0.5 By: finance_expert http://www.moneysense.ca/2010/05/21/six-ways-to-deal-with-collection-agents/comment-page-6/#comment-483741 finance_expert Fri, 09 Sep 2011 09:13:54 +0000 http://www.moneysense.ca/?p=4904#comment-483741 When dealing with collection agencies, you have to realize, as you’ve said, that they will be satisfied with you paying just a part of your debt and they are more willing to settle to a deal than the initial creditor, wanting to have their commission. That’s why is vital to be informed who you’re talking to. The collection agencies are less inclined to sue you, even if they menace you with suing. It’s also important to keep in mind that in some provinces you have the right to ask them to stop bothering you, especially if they begin to call at your workplace. They have the right to remind you about your debts, but they cannot just call you forever. It’s certainly better to repair your credit rating, because unpaid credit might complicate your financial existence a lot, getting the R9 on your report. A debt settlement would definitely raise your credit score and will erase the debt. When dealing with collection agencies, you have to realize, as you’ve said, that they will be satisfied with you paying just a part of your debt and they are more willing to settle to a deal than the initial creditor, wanting to have their commission. That’s why is vital to be informed who you’re talking to. The collection agencies are less inclined to sue you, even if they menace you with suing.
It’s also important to keep in mind that in some provinces you have the right to ask them to stop bothering you, especially if they begin to call at your workplace. They have the right to remind you about your debts, but they cannot just call you forever.
It’s certainly better to repair your credit rating, because unpaid credit might complicate your financial existence a lot, getting the R9 on your report. A debt settlement would definitely raise your credit score and will erase the debt.

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