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Printer friendlyFrequently asked questions
Q. Why is Mark Silverthorn assisting consumers after working for collection agencies for 12 years?
Q. How can Mark Silverthorn help stop collection agencies from calling me?
Q. When can a collection agency disclose the existence of my debt to someone other than me?
Q. Under what circumstances can a collection agency leave a message requesting a return call?
Q. What is a judgment and what is its significance?
Q. What is the difference between secured and unsecured debt?
Q. For what type of debt can Mark Silverthorn provide the most assistance?
Q. Is it possible to avoid paying a debt due to the passage of time?
Q. Why might my financial situation not be as bleak as it appears?
Q. Personal bankruptcy: How much does it cost and what are its consequences?
Q. What can I do if I want to fight back and make things uncomfortable for a collection agency?
Q.Why is Mark Silverthorn assisting consumers after working for collection agencies for 12 years?
A.Collection agencies and their creditor-clients have access to plenty of lawyers to help them collect monies from consumers. It is about time that Canadian consumers were able to obtain assistance from a former collection lawyer and collection agency insider.
Collection agencies and their clients can draw on incredible resources when it comes to collecting debts. These resources include state-of-the-art call centres, sophisticated computer software and hardware, and advanced collector training programs. Collection agencies also have access to lawyers who are very knowledgeable about the debt collection process. Some of these lawyers spend thousands of hours each year on behalf of collection agencies and their creditor-clients.
In contrast, the vast majority of consumers who receive collection calls or collection notices have access to few resources to deal with collection agencies. Consequently, most consumers are at a tremendous disadvantage dealing with collection agencies.
Most consumers have little or no idea about the following:
- how to stop, avoid or discourage collection calls
- what a collection agency will do if a consumer does not pay an overdue account
- the fact they might not have to pay a consumer debt due to the expiry of a limitation period
- practical considerations why they might be able to avoid paying a debt
- the various options a consumer has for dealing with his unsecured debts
- generous settlements that might be available on certain types of debts
- what constitutes collection agency misconduct and how it can potentially undermine the ability of both a collection agency and its creditor-client to collect a debt
By sharing his experience with consumers Mark Silverthorn is trying to level the playing field, which in the past has been tilted very much in favour of collection agencies.
If you want assistance dealing with collection agencies you may to speak to Mark Silverthorn or purchase a copy of his e-book titled A How-to Guide for Dealing with Collection Agencies in Canada .