Debt settlement help from a former collection agency lawyer
Former collection agency lawyer and author Mark Silverthorn has three decades of experience working in both the collection and debt help industries. Regardless of your debt-related challenges, Mark can assist you in obtaining the best available results.
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Mark Silverthorn, LL.B.
Debt help for Canadians dealing with collection agencies
A proven track record providing debt settlement help from a former collection agency lawyer.
Book a 30-minute telephone consultation with former collection agency lawyer Mark Silverthorn for practical advice on debt settlement, collection agencies and your debt relief options, drawn from three decades in the debt collection and debt relief industries.
Why a former collection agency lawyer now helps Canadians in debt
I am the former collection agency lawyer who came in from the cold.
Between 1994 and 2006 I was sending out more lawyers’ collection letters than any lawyer in Canada! If you don’t believe me, ask any Licensed Insolvency Trustee (LIT) in Canada working during that period.
In 2006 I asked my thirteen year-old daughter what I did for a living. She said, “You send people letters telling them to pay their bills or you are going to put them in a garbage can.” Figuratively, she floored me with this comment. What a meaningless life I was leading. What a legacy!
Within a short period, I stopped doing work on behalf of collection agencies and my law practice changed its focus to working exclusively on behalf of Canadians struggling with debt.
In 2010, I wrote a book titled The Wolf At The Door: What To Do When Collection Agencies Come Calling, published by McClelland & Stewart.
I have an insider’s knowledge of not only the collection industry but also the debt relief industry. In the context of debt relief, where others can only see the trees, I see the entire forest.
You would be hard-pressed to find anyone in Canada who can better advise you with respect to obtaining the best result in addressing your unique debt situation.
For more articles written by Mark Silverthorn, visit CollectionAgencies.ca, where I write articles on dealing with collection agencies in Canada.
Mark Silverthorn, LL.B.
Author of The Wolf At The Door
5 out of 5 stars
“Describes the whole debt collection process. What your options are. If you have collection agencies calling, you need this book!”
5 out of 5 stars
“If you’re struggling with debt, you need this book right now. Before you make another payment or talk to a collection agency, read this book.”
Free videos on debt settlement and collection agencies
What my clients say
A debt buyer got a judgment against me for $18,000 and put a lien on my house. With Mark’s help I was able to settle this debt for a one-time payment of $6,000.
Harry
I was dealing with a recent separation and Mark was able to help me resolve a debt and save thousands of dollars in the process. Mark understands how creditors and their collection agents deal with unpaid accounts and he can help people get the best possible result.
K.P.
I didn’t know how to deal with my judgment until I met Mark. I was really stressed out, but we were able to resolve it all in just under a month.
Stacey
Book a debt consultation with Mark
A confidential one-on-one 30 minute telephone consultation costs $150 CAD. Choose a time at least four hours from now, or call (519) 987-3270 to book by phone.
Debt settlement and collection agency questions
For years, Mark worked as a collection lawyer for some of Canada’s largest collection agencies. Now he helps Canadians get out of debt.
A 30-minute telephone call with Mark. He draws on three decades in the debt collection and debt relief industries to help you work out how to deal with your debt.
A 30-minute one-on-one telephone consultation costs $150 CAD. You can book and pay online, or call Mark at (519) 987-3270 to schedule your call and pay by Interac e-Transfer to markasilverthorn@gmail.com at least one hour before it.
Canadians dealing with debt and collection agencies. Mark gives practical, non-legal advice to consumers.
Often, yes. For a debt from a consumer transaction, your creditor or its collection agency may accept a one-time lump-sum payment for significantly less than your balance as settlement in full, usually once the account has gone unpaid for at least six months. You can negotiate it yourself, get a debt coach to guide you, or hire a debt settlement firm. Debt settlement: your three options
Yes. A creditor, or a debt buyer that has bought your account, can sue you, and a judgment lets it put a lien on your home or garnishee your wages and bank account. Creditors rarely sue over balances under $2,000 to $3,000, are reluctant to sue once the limitation period in your province has expired, and are much more likely to sue if you owe more and own real property. What are the odds that my creditor will sue me?
Debt help articles for Canadians
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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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Debt settlement: Your Three Options
Consumers have three options as to who will negotiate a settlement on their behalf.