If this is a collection agency, keep on callin' till your fingers are blue.
The dept is actually with the V.I.H.A and thier inconsistant procedures.
I am NOT paying that bill - ever.  It is NOT my bill.

i think this is IQOR's montreal office, a collections agency

they din,t sa who it was,they just give u the number and then they hang up,it,s a long distance call

im in limbo as far as they know however, i know of an account i had that was sold to IQOR. from the sounds of it i can refuse to pay but that doesnt mean its not on my credit file with one of the credit reporting agencies.

in the best interests of clearing up debts that a person may rack up in the course of their lives i would say pay it and get it over with. that is, if the debt is actually yours. otherwise a person needs to dispute the account with a credit reporting agency to have it removed from their file. however, this does not stop the creditor from reporting it again and it showing up on your file again. its a stupid system but thats how it works.

I was first contacted 2 years ago by an agent verabally demanding me to pay $ 2,500-00 for Sprint / Rogers account, he was talking about 11 years old address. I checked my credit report there was nothing saying that I owed this amount to Sprint. I told the agent to send me a written Validation, he never sent me, Number 1, I did not owe this kind of money, No.2, Statue of Limitation expired after 3 year, so they do not have the right to call me and ask me to pay.
I went to my Police station reported it. The best is Call Phonebusters, They are the RCMP, they are very helpfull, they will take your complain on the telephone and will give you the complain number. The more people tell RCMP, the more fine will be given to IQOR Canada of their UNFAIR AND DECEPTIVE AND UNPROFESSIONAL PRACTICES IN CANADA. When you get a recorded messages TELL RCMP. You can get their tel no. on the google.
Also send your compain to Better Business Bureau.email bbbbec@bbb-bec,com file a complain and they will follow up. Let us work together and get rid of these companies.
RCMP told me that they have recieved many complains about IQOR and if we all send all your complains IQOR will get more n more FINES.
They Lie, they ROB people on the phones, they scam peoples, without any written proofs sent to the debtors.
If you did not get a letter in the mail then you are not responsible to pay anything on the phone. The Law is this, RCMP and the Law says they have to write to you first, explaining who you owe the money to ie the creditor, the original amount and the original date. If they have not sent you by mail, just ignor them.
The CEO is an INDIAN guy VIKAS KAPOOR he will go to HELL and his workers too. They enjoy giving mental tortures to us Canadians. They are devils and they will burn in hell fire. I hate Indians. Can he not tell his company to follow the Canadian laws?? He thinks he is in India and jungle laws apply here. NO way, so my advice is Tell RCMP, Better Business Bureau, Take care. I suffered 2 years of mental torture and i am going to take them to the court.
Never agree to pay to them a penny, they will say to you, we will cut the amount you owe by half and make monthly payments, they trying to hook you into to accept that you owe this money to them and then after wards it will never end.

Debt Collectors ? Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I?ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #  
Amount in Dispute: $  
 Account #  

Dear  :

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

If anyone should need help with Lawsuits regarding Collection Agencies/Debt Collectors and/or Credit Cards; I may be able to help you.  Please contact me at tlcpetmommy@gmail.com.

© petmommy copyright 2009 All rights reserved

So what happened??? They just leaving a recorded messages.

I got a call from the same number 800 641 2329 on 23rd june 2010 a recorded message from Creance d canada to call the back, when called I waited long time an no answer, today July 1 2010 I got call from same tel no. saying its IQOR. same recorded message to call them back. Its a scam.

They are a collection agency that deals with Rogers Canada and who knows what other companies. Beware.... they give out personal information. I called them back and they gave me several address of people who have my name. They also gave me names of people at my current address. Proceed with caution!!!!!!!!!!!

keep calling

keep getting calls from Canadian Bonds agency , says due to provicial laws cannot give more information.

Même si l'afficheur de mon téléphone ne mentionne aucun nom ni numéro de l'appelant, je reçois à tous les jours un appel en provenance de CREANCES GARANTIES DU CANADA LTEE.

On me demande de téléphoner dans les plus brefs délais au numero de téléphone sans frais; 1-800-641-2329

L'avis laissé sur mon répondeur provient d'un enregistrement vocal de médiocre qualité.  Parfois le message utilise une voix féminine et d'autres fois une voix masculine.

Getting unwanted automatic calls asking to call back at 800-641-2329.

Man voice speking french and as previos message: Man voice (no name) presented company Creance garanties du Canada, ask for call company at 1 800 641 2329
I will never answer this kind of calls.

Abusive calls every day morning around 8:00 hrs AM. or afternoon 3:00 PM take until today two or three months every day.

Man voice (no name) presented company Creance garanties du Canada, ask for call company at 1 800 641 2329.

I never give them my answer.

Créances garanties du Canada. Même soliciteur que 800-667-5275 associé aux infos suivantes:

Noter qu'au Québec la Loi de la pportection du consommateur interdit à une agence de recouvrement de "communiquer oralement avec un débiteur avant de lui avoir fait parvenir un avis de réclamation, sur support papier, conforme au modèle prescrit par règlement (LRCC 34-1)".

Pour me débarrasser d'eux, j'ai appelé le service à la clientèle de Bell. Grâce au service gratuit d'exclusion télémarketing, tous les appels de télémarketing seront bloqués à partir de maintenant. On va voir si ça marche.

Pour voir les infractions données par l'OPC à Créances garanties du Canada Ltée, voir:
http://www.opc.gouv.qc.ca/publications/cp_050111_3_Recouv_Trouble.asp

Demande d'information perso

Leaves pre-recorded messages claiming it is not a solicitaion call, but cannot discuss details due to provincial legislation. Has left three messages on my answering machine in a span of one week.

call says not a solicitation,states to call, but due to provincial legislation not able to give details about call