If you are getting harassed by credit collection agencies and you've kind of had it with them, you have the legal right to request that they provide you a statement which says that they own the credit.

If you are getting harassed by credit collection agencies and you've kind of had it with them, you have the legal right to request that they provide you a statement which says that they own the credit. They own the title to that loan that they have blent you. And they have 30 days to do this. And what you can also request is a copy of the original contract with the date and your signature on it. And nine times out of ten, they don't have that. Because they buy credits in bundles, like a thousand, 10,000, 100,000, and they pay pennies on the dollar for it. And these collection agencies, what they don't have is the paperwork. Could you imagine all of the mega bytes of data that they might have to collect on each individual file and there's no fucking way a company that's paying pennies on the dollar has that sophistication. So when people say that the government is broken, when the legal system is broken, it's not. You just have to use the legal system and navigate it to your benefit. So when I hear about, oh, Canada is broken and all that bullshit, well, it's not. Because there's instruments in place that allow you to use. I hope information like this comes in handy for you. And if the next time the collect collector calls you, just ask for number one, the contract with the date and signature that belongs to you, and the title of that credit that they own. That's all you got to do and they have 30 days to provide that. If they can't do it within 30 days, you can wipe it off your credit. There you have it.