Hi, so my account was transferred to Metropolitan in Edmonton. When speaking with collection agent he quoted a different amount then the amount on the invoice. I asked him to send me a statement with the amount he quoted and finally received them and now they want payment by cheque payable to CIBC. I've been making very small payments every month by online banking? The letter also states its for the "finalization" of the account. I'm thinking of declaring these loans on a previous bankruptcy I was discharged in January 2005. I don't have the money for a settlement right now. My husband got ill I am his caregiver so am unable to work FT at the moment. Any advice on how to proceed would be appreciated.