Marcus Chen, founder of CollectorHQ and Canadian debt-relief writer

Marcus Chen

Founder, CollectorHQ — Canadian debt-relief writer since 2016

Author profile last updated: May 12, 2026

About Marcus

I'm Marcus Chen, the founder and primary writer behind CollectorHQ. I've spent the last nine years researching and writing about Canadian debt relief — consumer proposals, personal bankruptcy, CRA collections, wage garnishment, mortgage renewal stress, HELOCs, and credit rebuilding. I started doing this because the existing information was either watered-down corporate marketing or commission-driven sales pitches dressed up as advice. Canadians making the most consequential financial decisions of their lives deserve better than that.

Everything I publish is built from primary sources — federal and provincial statutes, the Office of the Superintendent of Bankruptcy Canada (OSB), Statistics Canada, the Bank of Canada, CMHC, CAIRP, and direct consultation with Licensed Insolvency Trustees across the country. Where the law is unsettled or numbers are estimates, I say so. Where I've changed my mind on a topic, I update the article and note the change.

"I don't sell debt solutions. My job is to give Canadians the same information a Licensed Insolvency Trustee would give them in a free consultation — but in plain language, available at 2 a.m. when most people are actually sitting with their debt."

Experience & Subject-Matter Focus

Experience

  • 9+ years researching and writing about Canadian consumer debt and insolvency
  • Founder of CollectorHQ (2024–present), the most-trafficked independent Canadian debt-relief education site
  • Hundreds of long-form articles, calculators, and city/province guides published
  • Direct consultation with Licensed Insolvency Trustees across all 10 provinces
  • Source material drawn from OSB directives, BIA case law, and provincial consumer-protection statutes

Areas of Expertise

  • Consumer proposals and personal bankruptcy under the federal Bankruptcy and Insolvency Act
  • CRA tax debt collections, section 164(2) set-off, and RC4288 taxpayer relief
  • Wage garnishment and Requirement to Pay (RTP) procedures
  • Provincial debt collection regulations and consumer-protection bulletins
  • Mortgage renewal stress, HELOC strategy, B-lender and private mortgages
  • Credit rebuilding after consumer proposal or bankruptcy discharge
  • Licensed Insolvency Trustee selection and free-consultation process

What I Am Not

I am not a Licensed Insolvency Trustee, lawyer, accountant, or licensed financial advisor. I do not file consumer proposals, administer bankruptcies, give legal advice, or provide individualized financial recommendations. Where any of those things are required, I direct readers to the appropriate regulated professional. See the editorial policy for the full statement.

Published Work Off-Site

In addition to CollectorHQ, I publish on the following platforms:

Contact & Corrections

Recent Articles by Marcus Chen

Most recent 24 articles. Browse the full CollectorHQ blog archive.

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