Mark Anthony Silverthorn

Law offices, professional corporation

Helping people deal with collection agencies

Seven reasons you should speak to Mark Silverthorn before you make a payment to a collection agency

1. Provide you with advice about stopping, avoiding or discouraging collection calls

   Mark Silverthorn can provide you with advice about stopping, avoiding or discouraging collection calls.

2. Help you determine if you have a good defence

   Mark Silverthorn can help you determine if you have a good defence.

3. Assist you identify practical reasons why you might not have to pay a debt even where you do not have a good defence

   Mark Silverthorn can help you identify reasons why you might not have to pay a debt despite the fact that you do not have a good defence.Your failure to pay a debt will likely have negative consequences for you in the future.

4. Advise you in connection with your 8 options for dealing with your unsecured debts

   Mark Silverthorn can inform you of a consumer's 8 options for dealing with unsecured debts.

5. Provide you with advice on how to negotiate the best possible settlement available

   Mark Silverthorn can help you use proven settlement strategies to obtain the best settlement available.

6. You may want to hire our law firm to negotiate a settlement with a collection agency on your behalf

   You may want to hire our law firm to negotiate a settlement with a collection agency on your behalf.

7. Help you deal with an unprofessional collection agency

   Based on his 12 years of experience as a collection agency insider Mark Silverthorn knows how to deal with an unprofessional collection agency. These include the following:

   • Make a written complaint against a collection agency to one or more government regulators, a provincial licensing administrator, a provincial or territorial human rights commission, or privacy commissioner
   • Make a written complaint to senior management at the collection agency
   • Make a written complaint about the collection agency to your creditor
   • Commence a lawsuit against a collection agency, one or more collectors, your creditor or a combination of them.
     You might be entitled to financial compensation where you bring a successful lawsuit in response to unconscionable conduct on the part of a collector. While you will likely not be entitled to a judgment like the $440,000 damages award made by the Ontario Superior Court of Justice in 2007 in favour of a consumer against a collection agency and a collector you might be entitled to a judgment that may be greater or equal to the amount your creditor claims you owe.
   • Pursue a statutory claim for treble damages for wrongful collection where a collection agency has collected monies from you in circumstances where you did not owe the debt (this remedy available to residents of Manitoba and the Yukon only)
   • Tell your story to the media
   • In extreme cases, have a collector charged with a criminal offence under the Criminal Code

In addition to speaking with Mark Silverthorn you can learn more about these topics by purchasing a copy of Mark Silverthorn's e-book titled A How-to Guide for Dealing with Collection Agencies in Canada .

www.Collection-Calls.ca