Debt help articles for Canadians
Practical articles by former collection agency lawyer Mark Silverthorn on collection agencies, debt settlement, credit counselling and dealing with consumer debt in Canada.
Mark’s articles on CollectionAgencies.ca
Author and former collection agency lawyer Mark Silverthorn is proud to have contributed several debt-related articles to the CollectionAgencies.ca website.
- How Collection Agencies Work
- Can a Collection Agency Take You to Court in Canada?
- How to Stop Collection Calls at Work in Canada
- Largest Collection Agencies in Canada
- How to Stop Collection Calls in Canada
- How to Avoid Collection Calls
- Ontario Debt Collection Laws
- Alberta Debt Collection Laws
- What Is the Statute of Limitations on Debt in Canada?
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What To Do If You Have Been Sued
This article is for Canadians who have been sued or who are concerned that they will be sued in the near future.
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Do Not Pay Old Debts
Canadians may–should they choose to do so–be able to avoid paying a debt due to the passage of time.
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Canadians in Debt Should Not Despair
1. There are no debtors prisons in Canada
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Can you get out of debt with a CHIP reverse mortgage?
Older Canadians struggling with debt might want to canvas the merits of obtaining a CHIP reverse mortgage.
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Credit Counseling VERSUS Debt Settlement
In certain circumstances you might be able to negotiate a one-time lump sum payment to your creditor–or its authorized collection agent–for significantly less than…
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Collection Agency Won’t Negotiate With Me
What can you do if the collector insists that the collection agency will only accept payment in full?
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Ten Tips for Negotiating a Settlement
Utilizing these ten tips should dramatically improve your odds of negotiating a favourable settlement.
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Consumer Proposal VERSUS Debt Settlement
A consumer proposal and debt settlement are two of several debt relief options that might be available to an individual depending upon their unique…
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Beware of Debt Consultants
Canadians in debt will often see ads offering to eliminate their debt for eighty percent of what is owed.
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How to Remove an Item from your Credit Report
I routinely receive phone calls from Canadians requesting assistance removing an account appearing on their credit report that should not be there.
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The Wait-and-See Debt Relief Strategy
I have assisted hundreds of Canadians obtain favourable results employing this strategy. The Wait-and-See debt relief strategy, however, involves risks and it is not…
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Debt settlement: Your Three Options
Consumers have three options as to who will negotiate a settlement on their behalf.