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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How to Avoid Collection Calls
There are a host of tactics that a consumer can employ to avoid collection calls.
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What Are The Odds that my Creditor will Sue Me?
A common fear among consumers owing monies to creditors is that they are going to be sued.
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Which entity is calling me to demand payment of my outstanding account?
It is very common for consumers receiving collection calls to be confused as to which firm is calling them demanding payment of an unpaid…
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Who Are these Bill Collectors Calling Me?
Who is that collector on the phone demanding payment from you of an unpaid account?
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The Life Cycle of a Consumer’s Unpaid Account
Understanding the life cycle of an unpaid account can provide an indebted Canadian with a significant advantage addressing his or her debt situation.
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What happens if you don’t pay your creditor?
This article summarizes the potential consequences of not making a timely payment to one of your creditors.
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The Type of Debt You Owe Really Matters
There are different categories of debt and understanding the nuances between them can often be critical to making good decisions regarding eliminating your debt.
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Five scenarios where a Canadian ought to use credit
The proper use of credit can be incredibly helpful in today’s world. The abuse of credit, however, can be a major source of unhappiness.
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The only two scenarios where credit counseling–as a “short-term fix”–can be justified
Some people might describe credit counseling as a shell game because it is the most expensive method for a consumer to eliminate their debt.
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The Largest Collection Agencies Operating in Canada
The largest collection agencies in Canada include Canada’s three largest non-profit credit counseling agencies, companies–known as debt buyers–whose primary business is purchasing debt, and…
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How do those with unpaid accounts benefit from the passage of time–aka–limitation periods?
For those Canadians struggling to pay their debts, the passage of time can often be their greatest friend and ally.
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Poor management of household finances is the number one cause of consumer debt in Canada
Debt-challenged Canadians will never be able to escape from the debt trap unless they take personal responsibility for their financial situation. And governments–at both…