Author Archives: Mark Silverthorn

About Mark Silverthorn

Mark Silverthorn worked 12 years as a collection lawyer for four of the ten largest collection agencies operating in Canada. He is routinely consulted by the media on issues involving consumer debt, the activities of bill collectors, and those holding themselves out as assisting consumers struggling with unsecured debt. He is the Founder of Comprehensive Debt Solutions Inc. Its website is comprehensivedebtsolutions.ca.

A debt consolidation loan is a single loan that allows you to pay off most or all of your creditors at the same time, leaving you with only one outstanding loan.  This type of loan may also offer you an interest rate that is lower than what you are currently… Read more

Every Canadian should know the basics when it comes to financial literacy and that includes an understanding of limitation periods; what they are, what types of debts are covered, limitation periods in various provinces, and how to calculate the expiry of a limitation period. Limitation periods place pressure on creditors… Read more

When you legitimately owe money and the caller has ‘got the right person’ you need the right strategies to help you handle collection calls and solutions to help you deal with the underlying debt. Calls seeking payment of an outstanding account can come from your creditor, or its authorized collection… Read more

You might find yourself in a position where you owe monies to a creditor and this creditor has sued you and successfully obtained a judgment against you. Now you are wondering what happens next? What can your creditor do with their judgment, how can it help them collect the money… Read more

You may be getting phone calls demanding payment on your overdue account.  Bill collectors might be calling you on your cellphone.  They might also be calling your landline at home.  In some cases, they might even be calling you at your workplace. Collection calls can be very upsetting.  Most people… Read more