Received a Hector The Collector Credit Services Inc Debt Letter? – Here’s What To Do
The following section explains the steps you need to take after receiving a letter from the debt collection agency Hector The Collector Credit Services Inc.
- Has Hector The Collector Credit Services Inc Limited contacted you?
- Are you unsure of what you should do next?
- Do you really owe Hector The Collector Credit Services Inc the money they say you do?
- Do you need advice on how to deal with Hector The Collector Credit Services Inc?
Need help dealing with Hector The Collector Credit Services Inc?
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If Hector The Collector Credit Services Inc Limited has sent you a letter asking for debt repayment you may feel as though the company is pursuing you for money that you do not believe you owe.
They have likely sent you a letter that claims you owe them money without ever having loaned you money or providing you with any type of service.
You may not recognize Hector The Collector Credit Services Inc because they are a debt collection agency that purchases debt from other companies.
How did Hector The Collector Credit Services Inc get my debt?
Hector The Collector Credit Services Inc buys defaulted accounts in bulk or chases bad debts from finance companies on behalf of companies such as United Utilities, Scottish Power, O2, BT, and more.
They purchase the debt for a low price and then pursue the debtor for the entire amount. If they can manage to convince 20% of the people they contact to pay them, then they will double their money.
Hector The Collector Credit Services Inc Debt Letters
Debt collectors such as Hector The Collector Credit Services Inc often send standard company letters, first demanding that you phone them to set up a payment plan, and later making threats to visit you at your home address.
Hector The Collector Credit Services Inc will then write to you again, this time offering to settle outside of court, then making threats to initiate court proceedings to get a county court judgement against you or even force you into bankruptcy.
There is no need to take these standard company letters personally, but they can continue for many months.
How will they contact me?
The company may attempt to reach you by phone and will repeatedly call each day until you pick up the phone, but they do not leave voice mail messages.
What can I do about phone calls?
If Hector The Collector Credit Services Inc has contacted you, then continue reading to find out what steps you can take. If they have sent you a threatening letter then consider letting Money Advice Online deal with the company for you.
Call us to reach the debt helpline or simply click here and we will call you back immediately.
Put a stop to the calls and letters
Are you tired of receiving constant calls and letters? Do you even owe the company the money they are demanding? Check for FREE to put a stop to their debt collection attempts NOW.
What is the Hector The Collector Credit Services Inc able to do?
Debt collectors such as Hector The Collector Credit Services Inc are required to follow the Canadian Government regarding debt collection.
In order for companies such as Hector The Collector Credit Services Inc to operate as a debt collection company, they need to comply with the minimum standards for debt collection that the Canadian Government has set.
What about interest and charges?
Hector The Collector Credit Services Inc cannot claim excessive or unfair debt collection charges or harass you in any way. They do not have the right to make threats of seizing your property when they cannot lawfully do so. They cannot directly contact you, bypassing an appointed company representative. The Canadian Government can ban debt collectors for making threats of legal action that are not likely to occur.
Can they come into my house?
Company representatives cannot just show up at your door. They are required to provide you with advanced notice before visiting your home address.
If you have failed to repay a loan on time, your credit file has probably suffered. Your account will likely be marked as default by the Hector The Collector Credit Services Inc company.
Shall I ignore Hector The Collector Credit Services Inc ?
It is unwise to ignore debt collection agencies; they do not give up. If you continue to ignore them, they may take you to court, which can result in you having to deal with Bailiffs or a charging order if you own your own home.
How to get help
Instead of worrying about Hector The Collector Credit Services Inc, let ConsumerDebtAdvice.ca deal with the company for you. You can get the advice you need quickly by clicking here to receive a call from us right away or by calling us.
Although you may be worried about your situation, you are not required to prove that you do not owe the money Hector The Collector Credit Services Inc is asking for, it is the agency that is responsible for verifying who owns the debt and the amount owing.
Hector The Collector Credit Services Inc commonly contacts people with the same name in the hopes that one of the recipients will pay them.
There are many efficient ways to respond to debt collectors who contact you, depending on your current situation.
Use the ‘Proof of Debt Letter’ to Stop Harassment
Since it is the debt collectors job to prove that you owe them money, you can use the proof of debt letter shown below to ask Hector The Collector Credit Services Inc to confirm that the debt is genuinely yours. If the company is unable to provide adequate proof, they may mark the debt as settled.
Please Note: The following letter is not a substitute for legal advice.
- (insert your first and last name)
(insert your address OR your P.O. Box)
(insert your city, postal code (or P.O. Box’s city and postal code))
(insert collection agency name)
(insert collection agency address)
(insert collection agency city, postal code)
Dear (insert collection agent’s name):
(if you don’t have a name use – To Whom It May Concern)
Re: your account # (enter the account number that they gave to you)
Without sufficient information at this time to ascertain whether your collection agency is legally authorized to collect money from me, this is a reasonable request of you and your agency to substantiate whether I have any legal obligation to pay you.
On that basis and to that end, I request that you and your agency provide me with the following good and valid evidence:
1) a valid copy of the original signed contract with the original creditor;
2) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing;
3) a letter from the original creditor to (insert collection agency’s full legal name) that grants (insert collection agency’s full legal name) the authority to legally collect on the debt;
4) proper and complete written notice concerning the debt;
5) valid proof from the original creditor of my clear consent to disclose my personal information to your agency a third party; and
6) a valid (insert collection agency’s full legal name) collector’s licence and the collection agent named (insert collection agent’s name as given to you) valid collector’s licence for the province of Ontario, Canada.
If you are able to provide me with the proper documentation as requested above, then I may be willing to work with you to negotiate small monthly payments. Note that I do not work and have no individual assets. Furthermore, I ask that you restrict all communication with me to being only in writing only sent to the address noted in this letter.
(Type your first and last name here, DO NOT ADD YOUR SIGNATURE )
Download and fill out the proof of debt letter.
Once you have printed, filled out and sent the proof of debt letter, the debt collection agency may respond by saying they have traced the owed debt back to you, ordering you to respond to them by a given deadline. Disregard this message.
The company still needs to provide you with proof that you owe the debt, which is likely the original loan agreement that includes your signature. It is vital not to sign the letter you send because they can use your signature to make a recreation of the original loan agreement.
If you honestly do not owe them any money, they should send you a letter stating that they have ceased all debt recovery actions and stop contacting you. If you do owe them money, then you should plan to repay the debt in instalments or a lump sum if possible.