(416) 855-8124

PRA Group debt collection scammers.

PRA Group harassing people for debts they don't owe.

Called several times a day.

The PRA Group is a junk debt buyer. As of January 1st, 2018 junk debt buyers are included in the Ontario Collections act. Before a collection agency can contact you they need to send you a written notice through regular mail (email doesn’t count).

This notice must include:

the name of the person or business that says you owe them money (known as the creditor)
the amount of money that the creditor says you owe
the name of the collection agency and a statement that the creditor has asked them to collect the debt

After sending the notice, the agency must wait 6 days before they can contact you in person or by phone.

After their first conversation with you, an agency can’t contact you more than 3 times in a 7-day period without your consent.

“Contact” means the agents must actually speak with you, email you or leave you a voice mail. If you don’t answer the phone and the agents don’t leave a message, it doesn’t count as a contact. A letter sent by regular mail also does not count as a contact.

A collection agency can’t:

contact you on a Sunday, except between 1 p.m. and 5 p.m.
contact you on any other day of the week between 9 p.m. and 7 a.m.
contact you on a holiday
use threatening, profane, intimidating or coercive language
use undue, excessive or unreasonable pressure or harass you
charge you any fees

Ask the right questions when a collection agency contacts you, such as:

may I have your Ontario registration number?
have you sent me a written notice with my creditor’s name and the amount of money that I owe?
how often will you be contacting me?

Learn to say "I dispute the debt," and suggest that they take you to court. The limitations Act in Ontario gives a creditor or debt owner 2 years to seek legal action against you. After you receive a letter from the junk debt collector send them a registered letter stating that you dispute the debt and suggest that they take you to court. They have to stop harassing you then.
File all complaints with Consumer protection Ontario.

They MUST send a letter a week before attempting to contact you.

Trying to collect on stats barred debts they have zero right to collect.