For those of you that have seen The Wizard of Oz will know where I’m going with this. For those of you that have not seen it the story is of a girl trapped in the Land of Oz and seeks out The Wizard of Oz to get home. When she reaches the end of her journey she is pressured with scare tactics to go away and to leave him alone by a large flaming image of a being with a booming voice. She soon realizes it is just a short old man behind a curtain projecting him to be larger than life and powerful. This is like the modern day bill collector or collection agency.

Most bill collectors are usually just full of hot air and will and do say anything to get an emotional response out of you in hopes you will send some money. Most bill collectors earn commission from the money they collect from you, and most have a limited time to do this before it is sent off to another agency. Because of the limited time they have your account they will turn the heat up to high immediately and harass you to no end. The truth is that the debt is contracted, rented or bought by collection agencies is almost always unsecured debt. Unsecured debt is debt with nothing attached to it, like credit cards, lines of credit, etc. These unsecured debts have nothing more than your word attached to them, so don’t let bill collectors push you to the end of the rope or worse into bankruptcy!

You hold all the cards not them. Sure they will t h r e a t e n to sue you, garnish your wages or to continue to call you. A lot of collectors will make the threat to send you to the legal department which usually means the collector sitting next to them…good cop bad cop or bad cop/worse cop.

Most agencies don’t really have any standards of who they hire quite often it is undereducated, or fresh out of high school people that are easily trained and convinced it is ok to pick the flesh off the bones of those less fortunate or experiencing financial struggles that the collector themselves would not likely qualify for to begin with.

The turnover rate at most collection agencies is often worse than fast food restaurants. Collectors are given strict targets to reach every month with regards to the amount of debt they need to collect and out of desperation of loosing their job at the end of the month they will say whatever they can to get you to pay.

Bill collectors are supposed to act in the best interest of their client “the creditors” and usually don’t based on their poor conduct and abuse of what little power they have.

A collection agency cannot garnish your wages, their client has to give the go ahead to pursue litigation which is a rare and a very costly occurrence for them. This will only ever come to light if after they are granted a judgment by a court to pursue garnishment most courts would rather not be tied up with debt non sense as there are far more important issues to deal with than the poor unfortunate billionaire creditors.

Most courts would rather see the debt settled and avoid the legal process. This is where it is important to have a professional represent you that knows the ropes in the credit and collection world. Canadian Customer Debt Relief’s agents are all Certified Debt Arbitrators through the IAPDA or the International Association of Professional Debt Arbitrators.

A Certified Debt Arbitrator or CDA is highly trained in the art of negotiation and with the experience and established relationships that Canadian Customer Debt Relief has with most creditors and collection agencies you can expect the best debt settlement results in Canada. Canadian Customer Debt Relief is designed to be the Alternative for Canadians to Bankruptcy, Credit Counseling, Orderly Payment of Debts, Consolidation and other traditional avenues used to eradicate debt. One main difference is that the programs at Canadian Customer Debt Relief will not harm your credit like the former programs mentioned. Find our more today and get your FREE consultation at www.ccdr.ca

Consultation and Advice is always FREE at Canadian Customer Debt Relief we are the true advocate for the Canadian consumer struggling with debt and will always operate in your best interest. You can even chat confidentially with an agent via our site almost anytime if you just want to find out more.

Be the change you want to see in the world because until you don’t it will get worse, that is almost for certain…

Debt Specialist and founder of Canadian Customer Debt Relief Inc. at http:www.ccdr.ca