Collection Agency Canada: How Annoying Could They Get?

collection agency canada

In Canada, Debt collectors are one of the businesses that receive the most complaints, according to the CBC News. Very few people have experienced positive encounter with debt collectors and even those rare occasions where consumers meet nice collectors could actually be a nuisance.

What is debt collection?

Debt collection is a kind of account where a third party collection agency Canada is hired to collect debts. Basically, they are the people who earn by collecting unpaid debts for other people. Usually, the company you owed will send your account to a collection agency after missing several payments. This has been the norm for most businesses because it is more effective to hire a company that does this service than to collect debts and spend valuable resources just to be able to pursue delinquent accounts.

While this has been done by many businesses, the policies vary according to circumstance. By reviewing your loan or credit card agreement, you will learn about the timeline of your creditor. The standard policy is that a borrower’s account will be transferred to the collection agency after non-payment of 180 days while other businesses send collection accounts to agencies when the borrower has missed 1-2 months of payment.

What to do when your account is transferred to a debt collector?

The job of debt collectors is to collect from you. They will call, send letters and reflect the collection on your credit report. When they know the phone number of your office, they will call you at work unless you will inform them that the calls are not approved by your employer. Some debt collectors even show up at the borrower’s home to collect the debt. You may think it is illegal, but surprisingly this is a legal action.

Typical collection agency Canada representatives are very annoying; they will call you a number of times each day, most especially when you do not answer the calls. You have to remember that they can call you from 8 a.m. to 9 p.m. of your local time only. What could be more annoying is when they cannot reach you, they will call your family, friends and neighbors to check if your contact information is correct. While they reach out to other people about your whereabouts, they are not allowed to disclose your debt and must only contact the same person once.

In addition, debt collectors will send bills to the address you stated when you applied for a loan. During the first notification, they will inform you that you only have 30 days to validate the debt and this can be relayed to you through a phone call. If they do not have your correct address, there is a big possibility that you will not receive a notice of debt. This case is similar when they do not have your correct phone number, so you may never know the account until you check your credit report.

Each year, thousands of complaints about debt collectors are listed because they do not abide by the laws that govern fair debt collection. However, hiring pleasant and reliable debt collectors who execute their roles in a pleasant, courteous, and compassionate manner like Francois Sauvageau, does bring forth a different story. So, the next time you get a call from a debt collector, be nice. The person on the other line may be one of those nice ones.

Malpractice Lawyer In Philadelphia – How To Find The Best

best malpractice lawyer in Philadelphia PA

It is so surprising that many people who believe they have suffered injury as a result of medical malpractice fail to even try to pursue the case in court for all the wrong reasons.  Some of them feel they are just too small, that the courts will never take their word when faced with the testimonies of doctors.  A few will be reluctant to antagonize the medical service provider they have been coming to for years.  A great many of them don’t think they have the financial ability to see a formal malpractice complaint through.  As a result, even if many doctors dread the term ‘medical malpractice’ it remains one of the leading causes of death in the US according to data from the Journal of the American Medical Association.


For the people who can see the folly behind all these false apprehensions, filing or at least attempting to file a malpractice complaint is something of a responsibility.  These enlightened people will at least consult with a good malpractice lawyer In Philadelphia before making a decision on whether to pursue a case of medical malpractice or not. But how does one define a good malpractice lawyer, and what attributes should we look for in one?  Here’s a short list:


a)       There’s no sense hiring a lawyer the courts will not recognize.  Therefore a good lawyer will be properly educated and have the necessary credentials to practice law.  He will be a member of good standing in the local bar association and perhaps even be affiliated with such organizations as the American Board of Professional Liability Attorneys

b)       Depending upon the depth of your pocket, you may want to consider an attorney who is willing to advance all the costs related to the upcoming lawsuit, instead of just working on contingency basis.  Such lawyers usually exercise more care in selecting the cases they agree to represent because they have more to lose if they fail to prove the medical professional’s guilt.

c)       You need a lawyer with a good track record in prosecuting cases similar to your own.  Not only that, you would be much better off choosing a local lawyer, one who has been successfully prosecuting medical malpractice in your community for some time.  That would ensure your lawyer is aware of local laws that may be unique to your location.  Just to be sure, you can check the internet for comments from earlier clients.  You can find lawyers with good track records in prosecuting malpractice cases through

d)       A good lawyer will ask only for a reasonable share of proceeds, which should be within what the law in your community allows.  A good lawyer will provide a clear sharing agreement with regard to the proceeds in writing, and be forthright about your chances of winning as well as the estimated amount of award.

e)       A good lawyer will always consult with the client before making any agreements with the defendant.  He will set it in writing that any agreement he does in behalf of his client will be discussed thoroughly between them.


Looking for a best malpractice lawyer in Philadelphia PA will ensure you get a good chance of obtaining just settlement.  When you’ve found the lawyer you are confident with, keep his details handy – you may just need his service sometime.