I am looking for information regarding credit counselling and bankruptcy law in canada. Gained access to my credit

Hello and Welcome to JustAnswer. My name is***** will be working on your question today and I am looking forward to our conversation.

I am sorry to hear of this difficult situation.

When did this cell phone account go into default?

So are you saying that when you check your credit reports on Equifax or Trans Union you see the same debt twice as it was first reported by the cell phone service provider and then second by the collection agency? Can you confirm that is correct?

Is that the same both on Equifax and Trans Union?

This is clearly not in keeping with the law and only one of the reports can be kept on your record and not the second.

In each case you will want to pressure the reporting agency to remove the newer one because the other one will fall off sooner.

All you will have to do in each case is prove to them that this is the same debt that has been reported twice. Both Equifax and Trans Union have formal appeals processes that you can undertake online.

So when you get the reports that's what you should do and also, when that happens if you're not sure how to do that come back to me and I will happily help you.

Does that help as a starting point?

You are very welcome.

Thank you for trusting us to help you here at JustAnswer. If you have any follow-up questions, or need clarity on anything we went over today, please feel free to let me know-I am happy to help!