is a collection agency, here is some free advice:
Just so everyone knows, & this will-p****off the collection agents: by Federal Law, a collection agency has the power to "Ask You to pay your bill and offer assistance in setting up a payment schedule" That is all.
1) they are never allowed to call you at your place of employment for any reason.
2) they can not, under any circumstances, harrass you into payment, by phone, mail or in person & they may not threaten you or your credit standing in any way.
3) You do not have to deal with a collection agency at any time. You are only obligated to deal with the original creditor, even if the agency has bought the account from them. You do not have to deal with them. 4) a collection agency can not put negative information on your credit file.
5) so in short... all they can do is "nicely" ask you to pay your bill. But we all know that they generally go way beyond that.
If you are having a problem with an agency, call the consumer bureau and report them and if it is a serious harassment issue, or call at your place of employment, contact the police and file charges. These are federal laws that they must follow, but most often do not and will push it to the limit. Yes, several collectors have been fired and / or charged under these laws. Some even jailed. Their employers usually get a fine & tell the authorities they never asked the employee to do that, thus leaving the employee on their own to take the blame. True sharks in every way.
If you are having financial issues, & most people do at one point or another in their lives, call a credit counselling service in your area. They are a free service in every province and will assist you. Do not deal with collectors on your own. If you can not afford to pay, the service will understand & work with you, without any judgement toward you, and no credit bruising. The calls stop immediately.