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What to do about a collection letter I have received?

Question

I received today a letter from a collection agency threatening to commence full legal action unless I pay them $1,700 due to them.

This is not a legitimate debt.  This alleged debt arose out of a misunderstanding over an apartment in Toronto which I thought had been resolved.

From the letter it appears that the collection agency has reported this debt to a credit reporting agency and is prepared to sue me in Ontario Small Claims Court.

What do you think I should do?  My wife is sick (cancer) and is staying home.  The last thing I need, given her condition, is to have collection calls being made to my home.  Thank you very much.

Answer

Your e-mail, which had to be condensed due to its length, raises numerous issues, too many to deal with on this blog.  I suggest you call my office toll free at 1 (866) 996-9941 for a free 10-minute telephone consultation.

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