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Thanks Again, FW.

I called the agency & left a message stating my inability to obtain financing, requested a statement of my account & gradual payment arrangements. In response, Mr. Collection left me a message saying I was mistaken; the FULL amt was due and I could not pay gradually.

I asked the Can. Std Federation about this. They advised that although the full loan amt is due, agencies are legally obligated to offer/enter into a payment agreement with the ower if they cannot pay in full @ once, especially with large amts. Therefore, if he still insists on full amt when tell him this, it would warrant a full complaint from the federation to the govt. on my behalf. They do this to curb undue harassment/intimidation by collectors. Apparently, this has led to collectors losing their licenses in some cases.

I've since called Mr collector again and left him another message reiterating my inability to pay in full and my awareness of his legal obligations. I just want to be able to settle and start paying it off...
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