7803283711

these people will not stop calling me  and threaten me,the man by name died 2 years ago which was paying his room at my place, now they want me to pay his debts. what can i do to stop them. its the n.r.c  collection.

they call me and harass me

I used a claxton horn the last time they called.  I have it ready for the next time as well.

said they were going to a jury or something tells you to call 888-270-0223

Robot call, not legal, make them stop!

statute of limitations for collecting on a bad debt is 2 years in Ontario after 6 years it is purged from your credit report..................

they called my number looking for my husband and left a nasty message, debt is past statute of limitations, got really nasty when called back and told this.  I started calling him every 2 minutes.............

Ontario Debt Statute of Limitations

In Ontario, there is a statute of limitations on unsecured debt.

That basically just means that they can only sue you for your debt for two years after your last payment.

There are some misunderstanding on this, though, so let’s look at it in more detail…

Basically, if the default (remember that all “default” means is when you stopped paying on time) occurred after January 1, 2004, you have two years in which the debtor has the option to sue you. So basically, after two years, they can try to guilt you into paying, but they cannot force you using the courts. However (and this is important) if you make a payment, the clock resets, and they regain that right all over again for another two years starting from that day. So for the love of all that is good and holy, do NOT start repaying a debt once you’ve gone to a collection agency without carefully considering this implication. Basically, you want to decide when you start missing payments if it’s worth trying to start them up again or not.

Once the two years have passed and the debt is no longer something they can sue for, it opens up the chance to negotiate payments for far less than the “book value” of the debt. So, for example, if I default on a $3000 credit card balance, and wait for over two years before negotiating, I can settle sometimes for $1500 or less. In fact, given enough time, you can probably settle for 10% or less of the original debt. However, you’re taking two risks:

You could be sued in the first two years if the debt is substantial enough
You will have substantial impact on your credit rating. Of course, it could be that you have missed enough payments that your credit rating is already substantially impacted by that debt.
Note that this does NOT have any implications on the behavior of the agency. What I mean is that after two years they can still continue to call twice a week, etc. The one thing you can know after those two years that does change is that if you feel they are hinting about threats of lawsuits, you now know with 100% certainty that they are bluffing (if it’s an unsecured, non tax/student loan debt.)

The consumer protection agency states you must write the collection agency a letter of complaint, if they continue to harass, threaten or refuse to acknowledge the statute of limitations lodge a complaint with the Consumer Protection Agency.  If they are calling you and it is not your debt and you inform the verbally and by letter also notify the CPA and lodge a formal complaint.

call me in the morning, around 1:30 am

Good info on your post...It is staggering to think, that in this century, an Agency can use gangsterism, in order to recover money. Most of the people in this thread, probably don't even owe anyrhing. As I never answer calls I don't recognize, I don't subscribe to any foolishness that results from dealing with Telemarketing / Collections Scams or Surveys. Block their # and be done with them.

Thank you.

collections