Don't take this number they can't do anything only ignore them.

Hi There,

Thank you for your reply.  These company has jacked up the interest on the account so much that i cant afford to pay them back.  When i told to them on the phone they tell me to pay everything else they will take action.  Its been 5 years for this debt account master card company have written it off.  date of last payment was 2008.  I am just stress out and lost.  All my pay goes towards rent and supporting my parents and wife.  I get a call once a week telling me there is a file on the table sent by a lawyer to be sign off so that he can take legal action.  Call back else we will be releasing the file.  Anyone out there has the same problem as me?  Any advice will help.

Thank you,

By "they messed up your credit" you mean you didn't pay your bills on time?
From my experience, a company like this can collect the debt for an indefinite period of time, but they only have 6 years from when it went to collections to actually pursue it in court.
More often then not, they do have the ability to sue, but just check your dates and protect yourself. Or the real solution is to pay your damn bills instead of looking for an easy way out people! Then you don't have to even worry about these a**holes!

Thanks for sharing.  Same here they messed up my credit and now its been 6 years. I started to get calls on my new cell number telling me that there is a file a law has sent him to sigh off to take action in small claims court.  I am so scared now.  Can they do anything?

Christopher Chambry, or however it is spelled.

Said he received a parcel for me from an attorney office. It is about a very old debt. He then started to threaten me... litteraly.

The debt he is talking about is very old, I never paid it, and it's not even figuring on my credit report anymore, with the consequence that it hurt my credit  very very badly. That means that the company to which I owed this money just filed a loss, and sold my debt to one of those shady companies.

I called Equifax: here is what they told me.

DO NOT FALL FOR IT. That's the kind of company who paid about 10% of what your debt was, and asks for 150% of same debt. They play hard and threaten you, because in the end, they can't legally force you to pay. They told me that this debt was not to be paid anymore, because the maximum harm has been done to my credit file. And even if I paid it, it would not change anything.

Just telle them to go f***  themselves, and stop harassing you or you will file complaint.

Hi There,

I am getting a call from some dude by the name of Alex cooper telling to pay up else his going to sign the papers to take me to small claims court.  He tries to scare me everyday.  I am now worried can he really do anything to us?

Please go here and read up on the rules for your country:

http://800notes.com/forum/ta-94646df8de0df64/ ... -debt-collector

Hi There,

Today i get a call from someone by the name of Alex Cooper me a message stating that he has some legal papers on his desk from small claims court to be signed off.  So i should call him back soon as possible else he will sign the papers and send it out.  Can someone help me please can they do this take me to court.  I have not paid them and its been 6 years now.  Can he do anything to me?

These people are really pissing me off now I got a letter at my work yesterday and I Wake today to find they sent me a letter at my house to how is this not harrasement.

Again, it doesn't matter how they define themselves.  Debt collection/consumer protection laws state that anyone attempting to collect a debt - lawyers, litigators (same difference), mediation firms, debt collectors - ALL must comply with consumer protection laws regarding debt collection.  I'm not surprised there is nothing on your credit report, although some fakers do go so far as to "plant" blatantly false info on credit reports too.  Again, any time someone calls or writes - do NOT take their word for it that you owe them.  ALWAYS make callers and correspondents mail proof that you actually owe a debt and that they have the legal right to collect that debt.

According to them they are a third party collection agency and dont function Under the same laws. and I called both equifax and transunion and theres no debt from mac Financial on my report.

It doesn't matter - they're attempting to collect a debt, so they are bound by debt collection laws.  It's the same here - if an attorney, litigator or debt collector is trying to collect a debt, they MUST be compliant with federal law.  If you're still concerned, please do see a consumer attorney - many of them offer an initial consultation for free.  However, I would NOT pay or make payment arrangements for this Mac Financial, until they have complied with the law.   Here's another article on the same kind of abuse:

http://www.cbc.ca/news/canada/4-things-to-kno ... ctors-1.1153120

Just called this number back to tell them I dont know who they are trying to reach since they dont leave anyones name.  We are an office with lots of employees.  I told "Samantha Evans" that I dont know who she is trying to reach but I'd like her to take our number off her list.  She said she would like to be skinny but shes not and hung up.  I called her back and she answered by saying I guess you still want me to take the number off my list and I said yes you do***ebag w***e.  She hung up.  She called me right back and told me my do***e bag w***e mom doesnt work there anymore.  I will be reporting them to everyone agency I can think of.

Im from quebec canada. When I spoke with this alex cooper he told they are not Under the recovery act or whatever because mac Financial is no a collection agency.

Debt collectors do not get to set the time limit for making a payment or setting up an arrangement to pay.  You should demand that they MAIL a debt validation letter showing that you owe a debt and that they have the legal right to collect said debt.  If they refuse to mail proof that you owe them a debt, do NOT pay them!  I'm not sure if you're from Canada or the US - if in the US, report them to the FTC (www.ftc.gov) and your state's Attorney General.  If in Canada, they have similar consumer protection laws - see this site for more info: http://www.ic.gc.ca/eic/site/oca-bc.nsf/eng/h_ca02149.html

They sent me a letter at my work saying I have 5 days to pay or make a payment arrangement or they will take the steps to bring this case to court and sease my bank account or any asset I may have. Can they even do this

I could just see the phone # on my call display , was out and just showed I had 1 missed call.

Unknown to me & do not want future calls

Please dont phone

Same thing
Just send him a letter to his director à Mac Financial and ask to stop harassment.  Explain in your letter that Mr Cooper is harassing you and ask them to communicate with you only by mail or you gonna lodge a complaint at the Office de la protection du consommateur.

this guy keeps harassing me even at work, don't know how he found me

Thanks for the info.  They just tried to call, 2x.  Just added them to my "reject list" on my phone.

Chris Schembri is listed as the President as per Industry Canada he's also listed as Director along with Andrew Bell. Masood Popal is a VP with the company and also a Real Estate agent with Remax Professionals Inc in Toronto. Their collectors keep calling looking for a debtor and refuse to believe they have the wrong number. So I filed a complaint against the company.

ALEX COOPER (BUYS OLD ACCOUNTS AND THREATENS & HARRASSES PEOPLE TO PAYUP)
5045 Orbitor Dr, S 300
Mississauga, ON
L4W 4Y4

CANNOT DO ANYTHING JUST IGNORE THEM THEY ALSO CALL PRIVATE. IGNORE PRIVATE CALLS FOR AWHILE.

JUST IGNORE THEM THEY CANNOT DO ANYTHING. THEY ALSO CALL PRIVATE...IGNORE PRIVATE CALLS FOR AWHILE.

ALEX COOPER (BUYS OLD ACCOUNTS AND THREATENS & HARRASSES PEOPLE TO PAYUP)
5045 Orbitor Dr, S 300
Mississauga, ON
L4W 4Y4

its a call from Mac Finaciall theya re a  debt collector, they are calling me to try and collect on an old debt that was settled over 5 years  ago, they call every other day and harras me i mean there down right rude , they swear and are basically As# ho#^s  just ignore them if theycall you, of course unless you really do owe money