collection agency toronto

As a business, every collectible is of great importance. Delinquent accounts can take a lot from you not to mention that it is a challenging task. Now, there may be ways to avoid the stubborn debt collection process, but if it fails, the option now is to get those collection agency Toronto professionals who were trained to do this job.

Now, not all debt collection agencies can handle every situation out there. You have to look for the right one for you and your business. Here is a short list of things to consider before hiring the most ideal collection agency Toronto partner.

Search within the locality first.

Often times, debt collection agencies have their own specialization, like the office of Francois Sauvageau. Some have a good reputation in dealing with large businesses or corporation while others prefer small businesses or home-businesses. Do some research first and find out who’s who in the collection business in your vicinity. Try to know more about your prospects in terms of the kinds of debtors the agency deals with the most and the types of businesses they serve often.

Check if the agency is legitimate.

The debt collectors that you want to represent you should be able to abide by the Fair Debt Collection Practices Act that the Office of Consumer Affairs have stipulated, aside from being licensed and bonded. There are different rules for collection agencies from state to state even down to their specific localities. So make sure that they are legitimate like Sauvageau & Associates


Execute skip tracing

Often times, debtors try to skip from town to town to be able to avoid similar persons like you and a good collection agency knows how to counteract this practice. The agency must have a way to access several database to locate a nonpayer, especially those that have no forwarding address. This is significant if you have tried getting in touch with your dodger and have been disregarded about the matter several occasions.

Understand value of insurance.

We cannot disown the fact that some collection agency enforces aggressive tactics to be able to collect. Now your debtor feels that the collection firm acted in bad faith and decided to sue. With this often called “Errors and Omissions Insurance, “you will not be held liable for hiring the agency whether or not you win the case. A debt collection agency of good standing will definitely have one of these for defense and they will not hesitate to show you a proof before getting down into your respective deal.

Learn about fees and contingency costs.

You should then consider the cost of the service with your chosen collection agency. After comparing the charges from different service providers, you can then consider one that is right for you. Common payment arrangements are:

  • Flat Fee. A certain amount is generally collected early in a debt collection process.

  • Contingency. A typical arrangement for debt collection agency. This can be between 25% and 45% of the total amount to be collected, depending on the details of the account.

When your requests for a payment have been running unsuccessful, or you and your company do not have the extra time to focus on collections, a third-party agency could help the business improve its bottom line and recover all unpaid debts.

malpractice lawyer In Philadelphia

We hear of people claiming they have suffered some form of injury as a result of medical malpractice all the time.  But malpractice lawyer in Philadelphia does not just accept the cases these people bring before them.  The reason is that while errors happen all the time and in many different ways, not all of them cause a medical professional to be liable.  Even in our technologically advanced world, mistakes will happen despite strict adherence to accepted levels of professional medical care.  This is not something that is easy for most people who believe they have suffered as a consequence of medical malpractice to understand, especially when emotion takes control.


Fortunately there are legal professionals who specialize in medical liability.  These medical malpractice lawyers fully understand that not all errors result in liability on the part of medical professionals.  And it is their expertise they use to the advantage of their clients.  So they are helping their clients even when they hand out rejections – they are then basically preventing their clients from expending time and resources on a losing cause.  Remember that the doctor will have lawyers too and that the American Bar Association will not take sides.


So what does it take to say that a medical professional who has committed an error in administering treatment may be held liable for the mistake?  Here are a few things that need to be properly established:


a)       The first thing to establish is if there was an error in treatment in the first place.  Records may be reviewed to support any claim of erroneous treatment.

b)       Then the error must be attributable to neglect or significant deviation from the accepted norms of treatment. A surgeon who uses unsterilized implements, or a doctor who decides on his own to use his patient as a ‘guinea pig’ for unproven treatment regimens may be asked to answer for their behavior.

c)       The error in administration of diagnosis and treatment should have resulted in significant injury or damage to the patient.  If the medical practitioner is fortunate not to have caused injury despite his error, he may be subject to disciplinary measures but such error may not be subject of a malpractice complaint.

d)       The medical error should have been made at a time when the injured party was a patient of the medical professional.


The above list is enough to establish liability.  So a doctor is liable – great! Now how do you get a malpractice lawyer in Philadelphia to take the case to court?  Then there is a need for documentary evidence and any witnesses which would prove what to the courts would simply be allegations.  It must be remembered that anyone accused before the courts enjoy a presumption of innocence.  The burden of proof lies with the accuser; with the one claiming to have suffered injury attributable to medical malpractice.  To determine if you have a malpractice case worth filing, visit and schedule an appointment with a good lawyer.


While the legalities may be incomprehensible to us, we need not go it alone.  There are many competent malpractice lawyers who can help.