Hello,

I have CSL and also provincial loan and they are both in collection.  I have been paying both, but I don't make enough money to make a payment that makes a difference on these loans, they are not going down.  Now ACR is after me to pay it in full, saying that the payment plan that I had with them was temporary and that I did agree to that (I do not remember telling them that I agreed to pay this debt, when the time came that they wanted me to, but basically that's what they are telling me)  ACR calls has called me at least 3 times in the past 2 weeks wanting to know updates and such.  They are saying that I should find a co signer and get rid of this debt at once or else they will sue, garnish etc....   I got fed up and told them that I can't find a co signer, screamed at the gentleman and told him that if he took time to listen to what he was saying he would realize that he is not making sense one bit.  He was not the person I was suppose to contact, but when they left the message, I got stressed out and we've had a death in the family and I was definitely in no shape for added stress and I thought by contacting them and finding what they want, that it would help reduce my stress, boy was I wrong.  I have never missed 1 payment with these guys in 1 1/2.  I cannot deal with them.. I am reading about Johnny and how he is helping all these people, but I am in ontario and he is in nova scotia so I am wondering if he could help.

Please help me regain my peace of mind and sanity.

Sinjun

johnny can help regardless of what province you are in.

from what i have read arc cannot do squat to you except take your file back to the bank and suggest to them that they sue, garnish etc.  only the bank can initiate these actions against you, and only if it is worth their while - ie you make great money, have assets that are cashable, owe big time money etc.  the collection agencies love to threaten but cannot follow it up.  the banks rarely pursue legal action since it costs them too much money.

i suggest you relax, take a deep breath and email or call johnny on monday.  he is a miracle worker for those who can afford to pay on their loans and can reduce your stress.  guaranteed.  granted there is a fee for his services but from what i have read it is well worth it.

good luck and keep us posted 

Thank you! Momof2

I have already emailed johnny... so I guess now all I have to do is relax and wait.  I must say that this website is awesome...  

Thanks once again and I will certainly keep you guys posted.

Sinjun

Thanks Scotia,

I am relaxing a bit now, although I have to endure the nagging, of the person calling once or twice a week, depending on how they feel   I have also sent an email to johnny and I was supposed to discuss my situation with him tonight, but I haven't heard from him, so either I misunderstood the email he sent, or something came up.  I have to say that this place is a fountain of knowledge .

See ya later

Sinjun

You don't have to endure it.

Tell them clearly (tape the call) that you want all correspondence to be in writing. Then start logging the calls. That'll give you a little clout when you want to push back. They think that the law doesn't apply to them. They are only partly right.

The law applies to them...it's just that law enforcement people won't defend your rights under the law because they think you're a deadbeat scumbag WITHOUT rights. You have to have an airtight case and then hold their feet to the fire to get any help.