FAQS

We may not have all the answers, but here are a few from some commonly asked questions that both our Business partners and their Clients have always asked.

Get Your Answers Here.

Need Help?

Call Us Now.

1-888-395-1147

Consumer Questions

I want to pay my account, who should I call?

Call: 1-888-395-1147 to speak to a licensed Collection Officer or Click here for payment options.

How much do I owe?

The amount outstanding is located on the collection notice letter sent to you in the mail. Alternatively, you can call 1-888-395-1147 to speak to a licensed Collection Officer who can provide the outstanding amount.

What are my payment options?

Click here for payment options or you can call 1-888-395-1147 to speak to a licensed Collection Officer who can help explain your payment options.

I have paid my account how do I get a letter of release?

Call: 1-888-395-1147 to speak to a licensed Collection Officer in charge of your account and ask for a release letter.

If my account is in Collections does it affect my credit?

Some Clients may report to the credit bureau right away while others provide a grace period for their customers to resolve the debt prior to reporting to the credit bureau. As an example, some Clients provide a three-month window to pay off a debt before asking D&A to report to the credit bureau. It is recommended consumers don’t delay and act quickly to resolve their account.

I am having financial difficulties. Is it possible to negotiate a payment plan or potentially settle for less?

Account resolution options can vary from creditor to creditor. Items such as the age of the debt, the balance outstanding and whether the debt is secured are some of those varying factors. To learn about all the options available, it is best to contact a licensed collection officer by calling 1-888-395-1147 to discuss the account

If a debt is reported to my credit bureau, how long will the debt appear on my credit report?

Collection items generally remain on your credit file for six (6) years from the date the account first became past due.

How long will a bankruptcy remain on my credit bureau?

Bankruptcy generally remains on your credit file for 7-10 years depending on when you are discharged and when the reporting agency updates your record.

How do I get a judgment removed from my credit report?

Courts do not send the record of judgment to the credit reporting agencies, but judgments are a matter of court record, meaning they are public information. There are companies that specialize in gathering information from the courts and typically send this type of data to the credit bureaus. In order to get a judgment removed from your credit, we recommend you go directly to the source, in this case the court record. You should consult with an attorney that specializes in debt collection defense about how this might work for you.

Client Questions

Must I sign a contract to use your service?

Yes, We work with written contracts.

What is the minimum amount of accounts I must place in collection a month?

There is no obligated to place a minimum number of accounts a month with D&A.

How much are the contingency fees?

Contingency fees vary based on industry. Click here to speak to a Sale Representative near you.

Do I still pay D&A if no money was recovered?

No recovery, No fee.

My customers are located throughout Canada. Does D&A Group Services provide national collection service?

Yes. D&A is license to collection everywhere in Canada

My business hours vary - can I check the status of my account(s) at any time?

Of course! Our user-friendly software allows our clients access to the status of your files 24/7 through our website. An assigned User ID and Password provides security, preventing unauthorized access. There is a cost of $50 for the key fob to allow access.

What happens if the customer I placed for collection contacts me and wants to work out a settlement arrangement?

Customers sometimes do this to delay payment or to avoid contact by the agency. Once the account is placed for collection it is best to distance yourself. Please refer them immediately to our office.

What happens if you are unable to collect the account I submitted to collections?

Once all in-house collection measures have been exhausted, and if the Customer continues to conduct business not having filed for bankruptcy protection, a lawsuit may be prudent. Such activity involves the services of an attorney and additional costs will apply. No action is pursued without your authorization. If you choose not to move ahead, the file is closed and confirmation is sent to you.

What happens if the customer placed for collection wants to return the product I shipped, rather than remit payment?

We are mindful that you are in business to sell product, not to re-purchase it from your Customer. Every attempt will be made to recover the amount owed to you. If the Customer is having severe financial problems and wishes to return merchandise, we let you make the decision and convey your decision to the Customer. If your product is returned our collection fee is reduced to 50% of the normal fee

How soon can I expect my money once the Customer remits payment to you?

All payments made between the 1st and the 31st of the month will be paid out on 15th day of the following month.

If I am not pleased with your service what recourse do I have?

Client satisfaction is our highest priority. We pride ourselves on maintaining a close working relationship with our Clients. If you have any concerns about the service received you may contact Customer Service or your Account Manager.