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Printer friendly versionFrequently Asked Questions
Q. Why is Mark Silverthorn helping consumers after working for collection agencies for 12 years?
Q. Does Mark Silverthorn have any creditors or collection agencies as clients?
Q. How can Mark Silverthorn help stop collection calls?
Q. To whom may a debt collector disclose the existence of a consumer’s account?
Q. When is a debt collector permitted to speak to someone other than my spouse or me?
Q. When can a debt collector leave a phone message requesting a return call?
Q. What can I do if I want to fight back and make things unpleasant for a debt collector?
Q. What is the distinction between secured and unsecured debt?
Q. For which type of debt can Mark Silverthorn provide the most assistance?
Q. What is a judgment and what is its importance?
Q. Why might my financial situation not be as bad as it appears?
Q.Why might my financial situation not be as bad as it appears?
A.You may be experiencing some money problems and may be looking for debt relief. You may be receiving collection calls from debt collectors in connection with debts they claim you owe. You may want to avoid paying these debts, but without filing for bankruptcy. You may be considering or doing one or more of the following:
- requesting loans from family members
- destroying your credit cards
- researching a debt consolidation loan
- investigating a second mortgage
- taking out payday loans
- obtaining credit counseling
- contemplating personal bankruptcy
You may be very anxious about the problems you are facing with your finances. However, your situation may not be as bad at it seems. This may be especially true where
- your debt or a significant percentage of your debt is unsecured consumer debt
- you may be effectively judgment proof, because you have no assets or you are unemployed or underemployed.
- you may live in a state where enforcement remedies available to judgment creditors are limited
People usually have options when it comes to dealing with their debt situation. However, you can’t take advantage of these alternatives unless you learn more about them.
You can call Mark Silverthorn to obtain practical non-legal advice about dealing with collection agencies, where permitted by state law, and discuss your financial situation and your need for debt relief help. This phone call may help you understand why your financial circumstances may not be nearly as bleak as you previously thought. Speaking to Mark Silverthorn may enable you to develop a plan for dealing with your financial situation.