Services Overview

Once the account is assigned to Credit Bureaus of NWO Collections & Credit Bureau of Sudbury & Timmins, the account is then reviewed for completeness to determine if additional information is necessary. When the account review phase is completed, it is then assigned a collector, it is at this point that we enter any client special handling instructions so they flash on the assigned collectors’ screen. In this process the first demand letter is issued immediately of assigning the account to CBNWO. The assigned collector will follow-up with telephone negotiations and if necessary a 2nd demand letter is issued and mailed with telephone calls follow-up, emails and text messages.

Credit Bureaus of NWO Collections & Credit Bureau of Sudbury & Timmins offers end-to-end litigation including issuing claim, court enforcement of judgments for matters within the small claims court jurisdiction. Should our client give us the permission to commence legal proceedings against the debtor, and upon obtaining judgment against the debtor we will exercise all legal venues for enforcing judgment, including garnishment of bank accounts and/or wages and/or seizure and sale of personal property and/or land.

Once the grace period has concluded, we ensure that all accounts are reported to the credit reporting agencies. Reporting these accounts helps to ensure transparency and accountability in the credit system, providing a clear reflection of each individual's credit history.

In the course of working the file, if we become aware of new information pertaining to the debtor (updated trace information) such as change of address, new home and business phone number, this information will be forwarded to the client after work on the file has been completed.