DCA Debt Control Agency Lies, Intimidation, Threats, and Outright Illegal Activities Toronto Ontario Canada

These clowns called me recently about a payday loan that went into collections in 2006. After they threatened to sue me and garnish my wages, I contacted my lawyer. The Jerk at DCA even said that he would personally make sure that my credit would be ruined forever if I didn't pay him within 24 hours. I was advised by my lawyer that they can not contact me more than 3 times per week, and they can not call me before 9 am (which they did many times). They would also have to serve me with court papers in order to sue me (over 300 dollars, I dont think so). They can not contact my employer, other than to confirm my employment, and can only contact them once. This company does not work for money mart, insta-loans or any other creditor. Instead they buy the delinquent debts from lenders, charge interest, and then threaten and intimidate vulnerable people in order to squeeze cash out of them to make money and commisions for themselves. I called these morons back and informed them of the above, and they became even more verbally abusive. Tip, record your calls with these people and sue them for harassment if needed. My attorney thinks I will win. I contacted the Payday loan company that I originally owed the money to and paid them back exactly the amount I borrowed, without interest, no problem. The Original lender also updated my credit bureau to reflect the collection item as paid, and took the DCA collection entry off my credit report. DO NOT deal with these people. Call the original company that sold them your debt and settle with them. There is no reason why the company that sent your debt to them would not want their money back. Once DCA realises that you know your rights, they will try to pick on the next victim. If you continue to get harrasing phone calls from them after you pay, send them a registed letter demanding they stop and cc the letter to your provincial consumer advocacy department. Remember, these idiots have no power over you, and thats why they have to use intimidation and threats. Good luck!

James
Winnipeg, Manitoba
Canada