<prompt> Human: Update: So after making a call to OCCA it seems Mastercard rejected their offer to buy the debt, so it was not covered in the payments to OCCA. I have not responded to the creditors yet. Am I completely screwed at this point?Hi Everyone, I have a few questions regarding debt collection in Canada specifically the province of Ontario. About 12 years ago I went into quite a bit of credit card debt 20K across 3 different cards. I went to a debt consolidation place and finished paying it all off over about 4 years. My credit has been crap up until about last year, it is still not great but I was able to get a new card that I use for emergency only etc. about 4-5 months ago I get a call on my work cell from a debt collection company, they are saying I owe a little over 5k from an old mastercardpretty sure it was one of the ones I had in the consolidation anyhow I ask how they got my work cell number, the rep tells me not to worry about it and that I owe this debt. I told him that it was taken care of under the consolidation with OCCA, and that I wont be paying it again. They have continuously called my work cell phone, and as of 2 days ago had a lawyer send a letter to my new apartment. So I ran a credit check on myself through equifax and dont see this debt on there at all. How should I proceed?  <response>: I would suggest that the first step is simply to confirm that the debt was from one of the cards involved in the consolidation. 