Heads up, these calls are almost always from a debt‑collection agency linked to 416‑774‑4000. Callers usually claim to be Total Credit Recovery and pressure you for payment even if you dispute the debt. Ask for a written debt validation letter; they must reply within 30 days. If you owe nothing or the debt is time‑barred, send a cease‑and‑desist notice and keep a copy. Block the number on your phone or use a call‑blocking app. Report ongoing harassment to your provincial consumer affairs office or the Better Business Bureau for further action.
Thats not true, unless they take you to court, they cant collect after 7 years. In Ontario its only 2 years
The debt dont just disapear after 7 years if theyve been trying to collect it
whos this and why they keep callin me??
Just rember, they gotta send you proof of the debt. If you tell them to take you to court, theyre supposed to stop calling
These jerks keep calling, saying theyre from Capitol One, but theyre not
After a few years, you can just offer them like 5-25% of the debt and theyll take it
Does anyone know how long they can keep trying to collect a debt befor they give up? I thought it was 7 years or somthing
Havent herd from these guys in ages, but this morning they were back at it again
If you send them your doctors info, they cant bother you no more. Especially if youre on disibility
I told them not to call me cuz of my medical condiotion, but they just dont care
total credit recovery is super anoying, wont stop callin
Debt collectors from Total Credit Recovery, avoid them
