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icwcztabkstarf atsb have some legal rights debtors although overdue bills must be paid de btors do have certain rights when dealing with collection agencies all debt collectors working in ontario must be registered with the ministry of consumer and commercial relations and are required to follow a uniform code of ethics most good collectors realize that the best way to get accounts paid is to deal with the debtors fairly and reasonably says bill stoddart registrar of collection agen cies for the ministry but to ensure every one works by the same rules a standard set of regulations is in force spelling out ex actly what collectors can and cannot do these guidelines can also help consumers judge whether they are being unfairly tre ated there is no reason to feel intimidated by collectors mr stoddart says if you are contacted by an agency but cant pay off the debt right away write to the company immediately explain your financial posi tion the reason you arent currently able to pay in full and suggest a payment plan could you make installment payments for six months will you be in a position to pay the total amount owing in a few weeks be realistic dont suggest payments you know you cant make just to get rid of the collector its important to show your willingness to pay mr stoddart explains youll only make the situation worse by avoiding the collectors calls missing prearranged payments or bouncing cheques be honest from the start and make sure you put ev erything in writing once contacted by a collection company always forward payments and direct all correspondence to that agency to avoid confusion markham agents honored several real estate agents with re- max markville were recently honored for outstanding sales local agents were named to the executive club the presidents club and the 100 percent club shown here are back row left to right dan lebarr johanna parker mel crawford and medodie shurgour in front are jenny powell charles de bourbon mary jane swanson and joyce ramer walker swanson had the top honor with the 100 percent club sjoerd witteveen if you are getting married welcome wagon bridal party bridal fashions gifts door prizes free admission by invitation phone 4771995 ryorkgroup realty inc i3ron6ests aurora 7271941 or 7736163 cecile phillips unionville 179900 mls immaculate just move in neutral 3 bdrms many extras walk out to cedar deck fenced yard landscaped prime location dont be disappointed call cecile phillips l i under the code of ethics agencies are required to notify debtors in writing when an overdue account has been turned over to them for collection the regulations passed in 1983 also pro hibit collectors from starting legal action without first notify ing the debtor and getting the creditors written permission to proceed making telephone or personal calls of such a nature or frequency as to constitute harrassment of the debtor or debtors family calling to collect a debt on a sunday statutory holiday or any day before 7 am or after 9 pm giving out false or misleading informa tion that could damage the debtor or de btors family normwes coxnm of hwys 48 1 47 i two family home spacious country homeon5acres close to town features 2 fireplaces 4 walkouts spacious and bright family room with fire place and overlooks a gorgeous indoor pool with hot tub plus bar with 7 box stalls and tack room paddocks and is minutes to the 404 see it today 29800000 markham 13990000 4 level backsplit in well established area of markham on 120 deep treed lot this home offers 4 levels of finished area in cluding 4 bdrms family room with fire place rec room with wet bar call now lynda hughes zsw unionville 1v4 storey brick in the heart of unionville on 50x161 ft lot with mature trees at rear features 3 bdrms eatin kitchen com pletely upgraded sunporch see it today with karen croft stouffville road 10 acre hobby farm ideal setting close to the 404 features a spacious 4 level brick backsplit with large foyer 5 bdrms 4 piece master ensuite family room with stone fireplace games room den main floor laundry plus barn with 4 box stalls work shop spring fed pond pool and much more see it today with adele gallo or earl elson demanding payment of a debt without identifying the creditor the collector and the balance owed continuing to demand payment of a debt from a person who claims not to be the debtor without taking all reasonable steps to confirm the persons identity anyone who feels a collector has breached the regulations should complain in writing to the nearest consumer ser vices bureau of mccr send a copy of the complaint letter to the agency involved a brochure on collection agencies is available from the ministry for copies contact the consumer information centre at 555 yonge st toronto ont m7a 2h6 or 416 9631111 or toll free at 18002681142 ontario residents with an 807 area code may call the 416 number collect the good will of those we serve is the- foundation of our success 10 acres on paved road north of uxbridge partly mixed bush asking 53490000 with good terms ross gallo quality construction 7 years old spacious brick sidesplit on vi acre landscaped lot on dead end street features 5 bedrooms master ensuite plus 2 other baths family room with fireplace and walkout main floor laundry large hollywod style kitchen with walkout to patio ceramic tiles in foyer kitchen and laundry room ross gallo excellent starter oshawa 3 bedroom semidetached home close to all amenities landscaped rear yard move in condition only 8690000 call earl elson or alan elson impeccable setting 10 acres situated on plateau overlooking many hills and valleys 3000 sq ft 4 bedrooms sunken living room with fire place cathedral ceiling and floor to ceil ing windows large kitchen family room with fireplace and walkout to patio rec room with wall to wall fireplace plus small barn and more ideal for entertaining at incredible value 26500000 call now adele gallo country home enjoy country living yet only minutes north of markham custom built on 2 acres featuring 2x6 construction thermo- pane windows court yard and triple car garage the home is spotless with centre hall plan large foyer with circular stair case and skylight 4 bedrooms 3 baths family room with fireplace 2 walkouts plus more call now valerie infurnari we have many other properties give us a call toronto line 6401200 uxbridge pickering ajax 6492266 t ijiyx fj tj ii mm