How is CCS phone call?

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Getting a call from CCS? It’s usually to discuss a debt you might owe. They’ll spill the beans on how much, who it’s from, and when it appeared. Double-check this info with your records. If it’s not your debt or already paid, show them proof. Know your rights: request written communication and document interactions. Report any bad behavior.

Reach out via phone, text, or chat if you have questions!

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Ccs Call Question

How is CCS phone call? I’ve been contacted by CCS, and I’d like to know what their phone calls are usually about and how to handle them.

From: Anonymous Question
Location: Burlington, Ontario (ON)
Category: debt management plan

Ccs Call Answer

If you get a call from CCS, it’s usually to chat about a debt you might owe. They’ll fill you in on the details, like the amount, who the original lender was, and when the debt first showed up. Be sure to check that the info matches up with your records. If you’re certain the debt isn’t yours or it’s already squared away, let them know and hand over any proof you have.

When dealing with CCS, it’s smart to know your rights under local debt collection laws. You can ask them to stop calling and stick to written communication. Keep track of all interactions—record dates and details. And if you ever feel they’re stepping over the line, or not playing by the rules, it’s a good idea to report it to your local consumer protection agency.

From: Insider Adam

Office of the Superintendent of Bankruptcy (OSB) Answer

When handling a call from CCS, it’s essential to be prepared with information regarding your current financial situation, including any debts owed and income details. You should also consider your goals, such as reducing monthly payments or improving credit ratings. If needed, review the relevant regulations under the Bankruptcy and Insolvency Act (RSC 1985, c 11) and related regulations for guidance on your rights and options.

One option to explore is a consumer proposal, which allows individuals to negotiate a more manageable debt repayment plan. Additionally, you can benefit from understanding the role of credit counselors and the provision of insolvency advice to navigate your financial challenges effectively.

From: OSB Helper

Related Questions to Ccs Phone Calls

Here are the top 5 frequently asked questions related to consumer proposals and debt management in the context of stopping collection calls, based on common concerns and trends:

How can I stop collection calls from creditors?

• Filing for a consumer proposal or bankruptcy will issue a stay of proceedings, protecting you from lawsuits and collection activities[1][3][5].

What happens to collection calls after filing a consumer proposal?

• Collection calls should cease once your trustee notifies your creditors, typically within 5 days of filing[5].

Can creditors still contact me after I file a consumer proposal?

• No, creditors cannot pressure for collection activity after you have filed a consumer proposal; they must adhere to the terms of the proposal[1][5].

How do I inform collection agencies that I have filed a consumer proposal?

• Advise them that you have filed a consumer proposal and provide the name and phone number of your trustee, who will handle the communication[5].

Will a consumer proposal affect my credit score?

• Yes, a consumer proposal will have a negative impact on your credit score, but it can be a better option than bankruptcy in some cases[1][3][4].

If you have a question about debt see our debt questions or ask your own debt related question.

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