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@oneservant Super confused. So he is buying a house, but he will be living in a van. Why doesn’t he just live in the apartment he already has for 1300$ and also, errr, “buy” the house for his mom. I mean, living in a van in downtown Toronto might not be cheaper than $1300. Like, where would he...

@kennybest They do. Just be calm and tell the collector that you are not sure what they are talking about. They have to disclose dates. Then tell them it sounds like a long time ago and it doesn’t sound correct. Don’t confirm any of your personal information. Tell them it sounds like they are...

@bjk Former debt collector. Don’t pay. Don’t acknowledge the debt when collectors call you. After 7 years, credit bureaus like equifax and transunion will no longer show the debt. Also, there will be some collection agencies who will try to collect after 7 years. If you still get calls after 7...