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. A creditor will sue an...
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Empowering Canadians struggling with debt
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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. A Canadian, however, cannot take...
Canadians in Debt Should Not Despair
Former collection agency lawyer and author Mark Silverthorn sets out ten reasons why indebted Canadians should not despair.
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. For some older Canadians the...
Credit Counseling VERSUS Debt Settlement
In this article I am going to compare and contrast two debt relief options; credit counseling and debt settlement. Credit Counseling is...
Collection Agency Won't Negotiate With Me
Former collection agency lawyer Mark Silverthorn explains how to deal with a collector who demands payment in full of an unpaid account.
Ten Tips for Negotiating a Settlement
Former collection agency lawyer and author Mark Silverthorn provides ten tips for negotiating a settlement.
Consumer Proposal VERSUS Debt Settlement
Former collection agency lawyer Mark Silverthorn compares a consumer proposal with debt settlement.
Beware of Debt Consultants
Former collection agency lawyer and author Mark Silverthorn describes the danger posed by debt consultants.
How to Remove an Item from your Credit Report
Former collection lawyer and author Mark Silverthorn describes how to remove an item from your credit report that should not be there.
The Wait-and-See Debt Relief Strategy
An individual facing debt problems will usually have several options when it comes to how to address their current debt situation. Today...
Debt settlement: Your Three Options
Mark Silverthorn, former collection agency lawyer and author, describes who can negotiate a settlement on a consumer's behalf.
How to Avoid Collection Calls
Mark Silverthorn, former collection agency lawyer and author of The Wolf At The Door writes about how to avoid collection calls.
What Are The Odds that my Creditor will Sue Me?
Mark Silverthorn, former collection agency lawyer and author of The Wolf At The Door canvasses variables creditors use when deciding to sue.
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...
Who Are these Bill Collectors Calling Me?
Mark Silverthorn, former collection agency lawyer and author of The Wolf At The Door describes bill collectors calling consumers.
The Life Cycle of a Consumer's Unpaid Account
Former collection agency lawyer and author Mark Silverthorn describes the life cycle of an unpaid account.
What happens if you don't pay your creditor?
Former collection agency lawyer and author Mark Silverthorn describes the consequences for not paying an account in a timely fashion.
The Type of Debt You Owe Really Matters
A description of key debt categories and how these differences are critical when it comes to optimizing debt elimination.
Five scenarios where a Canadian ought to use credit
Former collection agency lawyer and author Mark Silverthorn identifies five scenarios where Canadians ought to use credit.
The only two scenarios where credit counseling--as a "short-term fix"--can be justified
Former collection agency lawyer Mark Silverthorn describes the two limited circumstances where credit counseling can be justified.
The Largest Collection Agencies Operating in Canada
This Article lists the largest collection agencies operating in Canada today including debt buyers, and the Big 3 credit counseling agencies
How do those with unpaid accounts benefit from the passage of time--aka--limitation periods?
How do those with unpaid accounts benefit from the passage of time. This Article drills down into limitation periods.
Poor management of household finances is the number one cause of consumer debt in Canada
This Article explains why a significant percentage of Canadians are in debt trouble.
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