A friend who I have a vested interested in (not financial) is currently attempting to deal with their outstanding debt of which one is a CC debt currently with a collection agency. When they made their first contact today they were met with a rude, confrontational and aggressive agent. They are going to continue to research about how to deal with collection agencies and attempt to resolve this. However, if this poor treatment and lack of a result continues, am I able to talk with the agency on their behalf, with their consent of course? Communication is not their strength and frankly I would do this for the fun of it. Ontario, Canada
I wouldn't recommend ever talking to them. Take care of all your communication from this point forward in writing. It'll be a much less stressful experience, and the documentation will become an important part of reaching a positive outcome in the end. You've come to the right place though, because there are a lot of experienced contributors here who will be more than happy to offer their advice. Just ask, and you shall receive.
That is unfortunate, I was looking forward to having a bit of fun. Well here is so more info if anybody wants to weigh in. They are planning on talking to Credit Canada soon to get some more advice. Anybody have any input on this group? Are they truly a non-profit designed to help? Anyways, the person in question has about $8,000 in total debt. According to the CA $1400 for a credit card and the rest to the government for a student loan. Has been avoiding them for awhile now but now addressing their issues. Catch is they are a single mother that is about to come off maternity leave. They/she has about $1000 in monthly income (no job) and a child to raise, so employment has to be balanced against daycare costs. Obviously there are other factors, but $100/month for total debt repayment would be the very most she could afford.
Since you're in Canada, the laws may vary. This is basically a US-based board. Check the local and federal laws where you live.
