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> They can't send it to collections or anything. Yes they can. It's not a valid debt, but they can certainly sell it to a collections company.
by Marsymars 3y ago
> They can't send it to collections or anything.
Yes they can. It's not a valid debt, but they can certainly sell it to a collections company.
- Nextgrid 3y agoYou are however free to ignore the collections attempts, and explaining the situation to them should cause them to drop it (my - admittedly very few - experiences with collections agencies all ended up with them dropping the debt once it was made clear to them it is not valid and that they got effectively scammed by whoever sold them the debt).
- adamredwoods 3y agoI don't know how it goes in Canada, but in the US it is very easy to send someone to collections, and very difficult to dispute it. If anyone wants to start a company, make one that disputes collections on behalf of consumers. I'm sure there will be plenty of people to pay monthly for such a service. https://www.incharge.org/debt-relief/credit-counseling/bad-credit/how-to-dispute-a-debt-with-creditors-collectors-reporting-bureaus/ https://www.incharge.org/debt-relief/credit-counseling/bad-c...
- bluGill 3y agoThat depends on the level of collections. The first level for people who are likely to pay. Some doctors send all bills to collections for example - nearly everyone knows they need to pay the bill and will pay it, and the collectors need to be polite about this so the doctor keeps sending bills their way. The levels after that though are for people who either can't pay, or won't pay and you get the jerks of the collections business here because that is your best chance of getting you to pay.