Want this question answered?
Collection agencies - to attempt to recover the money from the individual. the CA will want to see the documentation showing goods/services were received (receipt) and that payment was not (declined card documentation with persons name on it).
international data collection agencies
Debt Collection Agencies can collect abroad but the agencies that collect abroad are usually commercial collection agencies that deal business to business
Collection agencies and attorney acting as collectors are subject to the Fair Debt Collection Practices Act. You can print yourself a copy by following links at www.ftc.gov You may also have additional state laws and requirements which offer protection. "Harassment" is a subjective term. Your husbands' disability is not at issue. It is always a good idea to know and enforce your rights. But there is nothing inherently wrong with a collector attempting to collect an unpaid debt. Your inability to pay does not alleviate liability for unpaid debts, nor does it equal harassment during attempts to collect.
One of the best agencies to contact for debt collection jobs are StudentAid and Kiplinger. Both agencies offer a great amount of help regarding debt collection jobs.
If you can prove it with receipts, cancelled checks or other documentation go to a lawyer and sue for harassment. Make it a really big one and that will AT LEAST get them off your back, plus you might get a little money to buy something special for yourself. Collection agencies and others who assume that everyone is guilty until proven innocent need the occasional wake-up call from a pro-active citizen.
Alternative Legal Services and Judgement Recovery, American Bonded collection, Armada Collection, and Audit Adjustement Company Inc. are some collection agencies.
Collection agencies have a couple of ways to get your address. They can either get your original address from the original creditor or by skip tracing.
Alternative Legal Services and Judgement Recovery, American Bonded collection, Armada Collection, and Audit Adjustement Company Inc. are some collection agencies.
Laws are different for collection agencies than they are for the actual lender. The lender has more leeway as to when and where they can call, but neither may discuss any aspect of your account, including the intent of the call, with anyone but you. Collection agencies must stop calls to your place of business if notified by the debtor that such calls are prohibited by the employer. Lender's often abide by the same rules as collection agencies when doing their own internal collections to be safe from a legal perspective and because anything that boarders on harassment rarely results in recovered dollars.
Collection agencies can file for summary judgments in the county court of jurisdiction and in some cases go to trial.
Some of the well known collection agencies in Ontario are PSI collection agency, Credit Bureau Collections, and Canadian Express Collection Agency. There are more, but these are the most common.