We protect your reputation.
Canadian Express Collection Agency (CECA) will go to bat to help collect money owing you. We will keep you up to date during the entire collection process. We will find the debtor, keep in constant contact with them, and build a relationship respectful of their current financial circumstance. We will not resort to aggressive techniques to hound, harass, and intimidate them. This concern for the future of your business dealings with them sets us apart from our competitors.
We work to settle your claim quickly.
In spite of conscientious, ethical, and professional efforts at collecting your money from the debtor, they resist the process. CECA then starts the small claims court action. Filing all required court paperwork and motions, we work to reach settlement terms during the settlement conference, if possible, before proceeding to trial. We continue to work on your behalf under our contingency contract agreement with you. Unless we succeed in collecting on the debt, you owe us nothing.
When the judge has issued a judgment in your favor, it is a court order with no enforcement to back it up. Because the court has ordered the debtor to pay the debt does not insure they will comply. If the debtor does not comply, CECA begins the enforcement process for you. Our agents petition the debtor by letter for immediate payment by a pre-determined deadline, and handle communications with them in an ethical, honest, and professional way. We want to preserve your relations with the customer, if possible, to keep goodwill for future business dealings.
We ask for an examination hearing to disclose debtor’s finance records.
If the debtor fails to begin paying off the debt owing, we can petition the court for an examination hearing. This hearing will disclose the debtor’s financial circumstances. CECA will file all notices, affidavits, and a Certificate of Judgment, if mandated. We will continue to pay all court costs associated with this action.
Our in-house attorney will act as co-counsel at this mandatory hearing. At this hearing, the court may order the debtor to pay the debt under a payment plan. If the debtor obeys the court order, enforcement has been successful. If not, CECA can file a default notice and affidavit against the debtor.
We pursue other legal actions to get you your money.
If the debtor does not respond within a certain waiting period, CECA will use other tools of enforcement to get the debt from them. We can petition the court for confiscation of personal property and liquidation of it. Or confiscation of land property and the
sale of it.
If the debtor is uncooperative during the hearing, the judge can hold them in contempt.
But if the debtor cooperates and makes disclosure of their assets, the judge may order the debtor to pay the debt under a payment plan. If the debtor misses a single payment, or sends only part of the payment, CECA’s attorney can file a Notice of Default of Payment and a sworn affidavit. If the debtor ignores the default notice, the attorney can begin the garnishment process after a 15-day wait period.
The next step to collect on the debt is garnishment, whereby you can seek collection of the debt held by a third party. Examples of third-party debtors include employment income or financial accounts. At this stage, CECA will move forward to collect the debt by means of garnishing wages, a tax refund, financial accounts, or any other third-party debt owing to the debtor.
We move on your case immediately.
Within two days of receiving the in-arrears account, CECA agents act quickly to gather information about the debtor, assess data compiled, and strategize the most effective methods of getting the debt owing paid to you.
We work to preserve goodwill between you and your customer, so you may continue a business relationship with them. We provide legal representation, file all necessary paperwork, and pursue all legal remedies to collect the debt. If we don’t succeed in getting the debt collected, you do not pay a fee for our services. Under the contingency contract you sign with us, we stipulate you owe us nothing, unless we collect on the debt.