Q.Why is Mark Silverthorn helping consumers after working for collection agencies for 12 years?

A.There are a large number of lawyers in the U.S. involved in various capacities in the debt collection industry, and the collection industry will survive the loss of one lawyer acting on behalf of collection agencies.  On the other hand, U.S. consumers can benefit from both the insights and advice of a former collection attorney and industry insider.

Creditors who rely on collection agencies and collection attorneys to collect their delinquent accounts have access to incredible resources.  Some of these debt collectors have made huge investments in state-of-the-art call centers, sophisticated computer applications, and advanced telephone equipment.  Creditors also have access to experienced lawyers to assist them in collecting overdue accounts.

Most consumers who receive a collection call or a past due notice have access to few, if any, resources.  They do not really understand their position, and may not always be aware of potential defenses.  They may not know about the various situations where a collection agency’s prospects for collecting a particular debt are poor.  In addition, many consumers are not aware of what constitutes misconduct on the part of a collection agency, and how this might make it more difficult for a collection agency to collect their account.

One of the goals of this website is to serve as a resource for consumers who are receiving collection calls and letters from debt collectors.  By providing information and advice to consumers, Mark Silverthorn is trying to assist consumers obtain more favorable results in their dealings with debt collectors.  Visitors to this website should be able to learn more about debtors’ rights.  Persons who call Mark Silverthorn may be able to obtain some debt relief.

This is not legal advice.  Your rights and obligations are determined by your own individual circumstances.