Generally, the reason people contact us at Hoyes Michalos is to see what their options are for dealing with their debts. They're looking for debt relief so they can get a fresh start. However sometimes what prompts them to make a call is some type of creditor action: a collection call, a wage garnishment or threatened law […]
On this episode of Debt Free in 30, Senior Analyst at the Office of the Privacy Commissioner of Canada, Vance Lockton, explains Canadian privacy law & gives advice for protecting your information.
On this episode of Debt Free in 30, Senior Analyst at the Office of the Privacy Co missioner of Canada, Vance Lockton, explains Canadian privacy law & gives advice for protecting your information.
Learn how collection agents use social media, and other databases, to find a debtor who owes money. Listen to our insider interview on today's podcast.
You made the decision to deal with your debts. You met with a trustee, filed bankruptcy and have a plan to get your fresh start. So why are you still receiving calls from collection agents telling you to pay up? You're sure you gave all the information to your trustee but you just got a notice […]
Former collection agency lawyer, Mark Silverthorn exposes five collection agency dirty tricks. During his 12 years in the industry, Mark witnessed many tactics used by collection agencies to get people to pay up and he tells us the top 5.
Unable to focus at work because of the stress, Sammy needed to stop the creditor calls and find a solution to her debt problems. Read her solution.
Blair Demarco-Wettlaufer, a Managing Partner for Kingston Data and Credit, a Canadian debt collection agency gives us the ins-and-outs of the collection world, including the typical life of a debt once it has gone to a collection agency and what your options are for dealing with collection calls.
Lenders often will want a “co-signer” on money loaned to people who represent a marginal credit risk. Parents may co-sign for their son or daughter’s first car loan or mortgage because they don’t yet have a strong credit history of their own. A friend or family member may guarantee your refinancing loan because you do […]
It's important to know how to talk to debt collectors when they call about an outstanding debt. If you are receiving calls from collection agencies, you need an action plan for what you are going to do and say. The first step is to ask yourself how bad is it? Are they calling for a debt […]