PCGS Rewards Counterfeit-Fighting Collector CoinWeek (blog)
Officials of the Professional Coin Grading Service ( www.PCGS.com ) are applauding the efforts of collector Mike Marshall of Trenton, Ontario in combating the sales of counterfeit coins in Canada. At the recent PCGS Set Registry(SM) luncheon, PCGS announced it was awarding him with a check for $5,000 and a plaque praising his work .
“Mike Marshall has been a huge aid to PCGS in combating Chinese counterfeiting. His tenacity resulted in the removal of several counterfeiters from online auctions,” said Don Willis, President of PCGS, a division of Collectors Universe, Inc. (Nasdaq: CLCT).
“The hobby owes Mr. Marshall a debt of gratitude for his selfless efforts. PCGS’ recognition of him is but a token of our appreciation for his efforts.”
In 2009, Marshall wrote an article for Canadian Coin News that detailed the counterfeiting problems and explained how he was attempting to get the online auctions halted. He also wrote letters to members of the Canadian Parliament.
The Debt Collector - Primer IV
The Canada Mortgage and Housing Corporation. It was started with the best of intentions only to be turned into a tool for our shortsighted and ...
I (permanently) moved to Canada. I have CC debt & a judgment against me in US. Can they make me pay in Canada?
I just moved to Canada from the US. I have permanent residency in Canada & won't live or work in the US for at least 10 years. I have a lot of CC debt & a civil judgment against me in the US (resulting from this CC debt). I have no real property (car, house, etc.), & no bank accounts in the US, but I do have a bank account in Canada. Is there any way that debt collectors or judgment creditors from the US can force me to pay if I stay in Canada? Can my Canadian wages be garnished for a US debt? If I simply stay in Canada for a minimum of 10 years, will my negative credit & judgments be erased?
I'm not trying to rip off the CC companies. I wound up with >$80,000 in medical bills after I got hit by an uninsured motorist while I was on my bike. I have no way to pay my debt in the US. I have a modest job in Toronto, a small apt., & a wonderful girlfriend (of 5 years). I just want to start over & be left alone by debt collectors, servers, etc.
Am I forgetting something, or will I be OK?
No, your debts and judgments will not be erased just because you spend time out of the country. When you come back you will most likely be arrested.
http://www.fair-debt-collection.com/statue-limitations-explained.html
You might get out of it if the the statue of limitations has expired for your debt. A friend of mine has a $15,000 old credit debt, and they came after him 6 years later, and they took him to court, but could not make him pay due to the Statue of Limitations. He got away without having to pay.
You are in Canada, so you'll have to see how that affects you, or if Canada has any similar rules.
Bankrupt if you need to. It is a business decision.
that is all.
They can't garnish your wages in Canada.
BK and they go away now, you can get your credit back in a few years.
They will always pursue you. If they sue you and win by default then they have ten years to collect, but they can sell it off to anyone they like.
If you BK it all ends.
call a lawyer and they will give you a free consultation.
I live in Manitoba Canada, and if I don't pay a debt collector from LA USA $400. will I get into big trouble?
Ok, first of all, all the laws the above poster listed about sending validations letters, etc are correct, but they are only correct for Americans. You, however, are neither bound by these laws nor do they apply to you.
In order to pull your credit report in Canada, a lender would need to have your SIN. In order to pull your credit in America, a lender would either need to have your Social Security Number (which you don't have, because you are not an American) or pull an international credit report. Pulling an international credit report is costly and most companies aren't even able to do it. Here comes the fun part....without a SSN, you cannot have your American credit pulled and due to the fact that you are a Canadian citizen living in Canada, no one will ever ask nor have the need to pull an international credit report on you.
Although the Consumer Reporting Agencies (Equifax, Transunion, and Experian) are international, their records function independently for each North American country. What that means, simply, is that any negative debt you accrue in America will never show up on your Canadian credit report. My husband is Canadian and had beautiful credit, but when he got here he had to start over.
If you ever did decide you wanted a life in the U.S. you would have to apply for a temporary SSN. Once your credit was pulled, it would be pulled with this number, NOT your SIN which I am assuming is connected to this old debt. Meaning even if they do attempt to report, once you were able to pull your credit it would be clean because you would be assigned the SSN AFTER the debt was accrued and the debt collector would have no knowledge of it.
Not only will you not get into big trouble for not paying this debt, nothing is going to happen to you at all. Never pay a debt once it is turned over to a collection agency anyway. It doesn't improve your credit at all. It merely updates to say "paid" but you do not recieve any FICO points for that update. None. Paying this debt that cannot hurt your credit is merely a waste of money. Take that money and put it to good use paying your Canadian bills that effect your Canadian credit. Or donate it to a charity, anything but giving it to a collection agency.
Can a debt collector call from another country and try to collect money?
General Revenue Corporation has been calling me for a debt collection they called from an ohio number florida number & now Canadian number wouldnt Canada be out of jurisdiction
Pay your bills and the calls will stop.
Should I pay debt collection or ignore?
I had a cell phone a couple years back that ended up going WAY over my plan minutes due to work use. Work agreed to pay their share, then bailed. The cell company cut off the phone and wanted the bill balance plus an average monthly usage fee for the remainder of the contract. I said no and they sent it to collections. It has now been on my record for 2 years (in Canada debts record for 6). The debt is $600-850 depending on the collector calling. A friend has told me that under $2000 a debt isn't likely to go to court as it isn't worth the time, effort, or expense. After 6 years the debt simply disappears from the record, (although Telus may keep customer files that will not allow a cell acount in the future, but I can live with that.) I was told that for $600 the collection company isn't going to waste too many hours on it. So, the short of it is this; Should I negotiate a payment with the collections company (perhaps for a credit file erasure) or just ignore them?
The reason they are probably giving you different numbers is because they are offering you a lower amount if you settle and pay the account. I would guess that the "real" amount is closer to the $850. The chances of you getting them to erase the negative information will be enhanced if you offer to pay it in full. If you settle for a lower amount they probably will not remove it from your reports. Just get any agrement in writing.
You should not just hope that it would not go to court. If it does go to court, they will just charge you the court and attorney fees. So that will automatically add several hundred dollars to your debt, not to mention the additional interest that is going to be charged until that time.
So it probably would be in your best interest to try to pay it off now. Also, not sure on Canada Tax laws, but if those were Business calls you might be able to take a deduction on the unreimbursed expenses. For that you should talk to a tax attorney.
You could probably settle for around $300, but make sure they sign something agreeing that this represents the full payment, and that you don't owe any more than $300.
Another point: you state that "work agreed to pay their share, then bailed" - do you have anything in writing from your employer regarding this? If so, you may have a claim against them for not fulfilling their obligation. If you do have something in writing, then you might want to pursue this depending on whether they are still in business and/or your current relationship with them.
Now, if you dont pay that bill, they can eventually start garnishing wages (taking money out of your bank acct or paycheck) monthly and can take as much as they want. you can pay them like $5-$10 a month. that will hold you over
Will they want to? Depends on the collector. There are small balance collectors that specialize in accounts that are like 100.00 and to them 600-850 is a large amount.
Will you get sued? Probably not but its not impossible either. But do you really want to destroy your credit over some chump change?
What I recommend you do is...contact the collector...offer half, get the agreement in writing and pay it.
Oh and by the way...they cant garnish anything till they sue you and get a judgment.
Good Luck
Illegal alien in the US goes back to Russia with unpaid debt?
Ok, here's the deal. I'm currently residing in the US and have been here for 3 years already. Got here on a Student Exchange program (Work and Travel) and decided to stay in the country. Now, the most exciting part - I've got about 7 different credit cards totaling about 20K USD and also trying to get a personal loan for 12K, which is quite possible, because I've got good credit history. So I've decided to go back to Russia and been wondering, can debt collectors find me overseas? Right before leaving the US I can get rid of my SSN and driver's license - I believe those are the only things tying me to my credit history. Well, and my name, of course. And I'm not planning to go to US again. But here's another thing - in the nearest future I'm planning to immigrate to Canada (legally this time) - that's the main reason of me going back to Russia - I can't apply for canadian resident status from the US since I'm illegal here. So I'd really appreciate your help figuring out if debt collectors will be able to trace me in Russia and how it will affect my attempts to immigrate to Canada in the future?
Oh, and... please don't hate me :)
hate is a very strong word. why would I hate you? Just because you are studiously planning to be the bad apple that gives the rest of us worms? it's people like you who default on their loans that screw those of us who struggle to do the right thing. mortified might be a better one. do something crazy like pay your debt and keep your karna in balance. Oh, and thanks for coming here illegally, using what we have to offer and then treating my country like a piece of trash. just can't say how much that warms my heart.
Should I Pay Off Some or All Debt Under My Circumstances?
I have already accumulated and owe about $16K of College debt to the Debt Collectors with 8% interest (=$100p/mo in interest).
All due to unable to pay in the past in Canada, cause of low paying job. For past 3 years I have only been able to afford to pay $275 p/mo. (=$175p/mo after interest).
Next week I will be moving to U.S.A. to get marry and start a new life there for good.
With that, my dad and a good friend of his, gave me $20K as wedding gift, honeymoon expenses and for future living expenses to settle a new life in U.S.
They both do not know I owe debt, especially my dad, cause I'm too old and too ashamed to let him pay off my debt if he knew. He is too old for me to spend his savings.
My question is. should I pay off all that I owe, or pay off some, so I can have some money on hand just as future emergency backup funds?
Thanks for you suggestion
While I usually advocate paying off debt as soon as possible, you have a somewhat unique situation. If you can afford to keep making the payments to satisfy the debt, I would suggest placing the $20k into a solidly performing investment. Have the interest transferred to your checking account to supplement the scheduled payments to accelerate the satisfying of the debt. This will allow you to pay off the debt sooner and still have a good chunk of money down the road. It will take roughly 6 years at the current rate to pay off the loan. Getting a conservative 4.5% return on the investment will cut it to 4 1/2 years and you'll still have the original $20k in reserve.
Student loan repayment?
I'm an American currently living in Canada going to school. I just took out a student loan using my grandfather as my co-signer. I have no intentions of ever moving back to the United States. That being so, if my grandfather dies and I'm still living in Canada, will the student loan debt collectors still come after me?
wow!!! Talk about thinking ahead, but yes they will come after u your grand is only your co-signer u took a student loan and no matter how long it takes (even if its when your kids attend college) they will find u!!!!!!!!
P.S. it happened to my mom with me:)
Canadian without health insurance had surgery in france, can hospital collect money?
Hiya, I'm just trying to figure out when and how the hospital here is going to collect money from me? I broke my wrist and expect it to cost around 10 000Euros. Does any one know if debt collectors track you down in other countries and if they have jurisdiction there? How long do I have, and will they want it all at once, what if I can't pay it (since I can't)? Do I get put in jail if I don't pay? Would I get extradited or put in jail in Canada, or maybe in Germany since I'm traveling there next. Anyone have any clues?
Canadian tourists travelling abroad are covered by their provincial health insurance for a three month period.
An agreement between France and the province of Quebec allows the Quebec health insurance plan (RAMQ) to assume responsibility for hospitalisation. However strictly speaking the reimbursement policy covers only a small amount charged by the french hospitals. On top of which you will have to pay hospital fees and contact the RAMQ for reimbursement. Some doctors in Paris will accept the RAMQ card.
Your provincial health insurance plan in Canada should reimburse you for medical and hospital expenses at Canadian rates when you submit the bills. Requests for information and repayment can be obtained from your provincial health plan department.
Whatever happens in France if you're traveling further, do yourself a favour and get some travel insurance, it isn't that expensive and another country might say 'no' !
Bad Credit Help - Ontario, Canada?
I have a number of unpaid debts and write offs and I want to start attempting to pay them off, and settle some of the debts, so that I can begin the process of cleaning my credit history, getting a new credit card and building my credit history once again. The thing is though, I have a total of like 8000 dollars unpaid on my credit report, and some of those are active collection accounts, others are write offs and bad debts. All transactions are from 2002 onwards. So - my question is does anyone in Ontario know whats the best place to go for credit councelling...I probably need a go-between, someone who can deal with the collectors and try and help with the settlements and payment terms etc....if anyone can give me any suggestions on the way this whole process works and where I should go...then that would definately be a huge help...
A lot of credit councelling places are scam artists, be careful. I would ask the Canadian version of the Better Business Bureau if they have any recommedations. Also ask banks who they work with and have good experiences with. Fixing credit is tough, but can be done. I'm speaking from experience. You can do it. Kudos on your goal. If you are religios, I would also recommend speaking to your ecclesiastical leader about anyone they might know of or recommend. I would even recommend speaking to a Bishop from The Church of Jesus Christ of Latter-day Saints (even if you're not Mormon) just let him know that you're not interested in the church but I'm sure he would still help you even if you're not Mormon.
If you want lots o points:)?
32: Alexander Hamilton supported the federal government
declaring tariffs illegal
dissolving Congress
taking on states' debts
ending the tax on whiskey
33: The First Continental Congress voted to
end the boycott of imports from Britain
call for the formation of colonial militia
imprison all British tax collectors
adopt the Declaration of Independence
34: The Three-Fifths Compromise resolved the issue of
how enslaved people were to be counted in the population
whether the larger states could have more representatives in Congress
whether Congress would have one or two houses
how many representatives each state would have in the Senate
35: Which of the following was designed to ensure that no one branch of the government would become too powerful?
the Electoral College
the Cabinet
the Bill of Rights
the system of checks and balances
36: What was a major outcome of the French and Indian War?
The Native Americans surrendered the Great Lakes region
The French surrendered Canada to the British
The British promised independence to the colonies
The British turned over all of Canada to the French
37: Why did many colonists protest the Stamp Act?
The act enabled the British to censor all written materials in the colonies.
The act threatened to disrupt trading patterns with overseas markets
The act increased the cost of British imports
The act taxed the colonists without their consent.
38: The idea of natural rights is best defined as
individual's duties to their government
the economic interests of the people
a government's powers over its citizens
rights belonging to all people because they are human.
If you only know one then thats okay,
tell me,:)
u dont have to know all of them
Points taken !
:-)
