Editorial Policy

Research & Fact-Checking

Every article published on CollectorHQ:

1. Legislative Accuracy: Fact-checked against current federal and provincial legislation — Bankruptcy and Insolvency Act (R.S.C., 1985, c. B-3), provincial collection and consumer protection laws, Canada Revenue Agency policies and procedures.
2. Source Verification: Cross-referenced with authoritative sources — Office of the Superintendent of Bankruptcy Canada (OSB), Statistics Canada, provincial regulatory bodies, Licensed Insolvency Trustee professional standards.
3. Expert Review: Content reviewed by Marcus Chen (9+ years debt relief education) and cross-checked with Licensed Insolvency Trustee resources where appropriate.

Update Schedule

• Quarterly Reviews: All evergreen content reviewed every 3 months
• Legislative Changes: Immediate updates when laws change
• Data Refresh: Statistics and figures updated annually or as new data becomes available
• Last Updated Dates: Every article displays last review date

Writing Standards

Clarity Over Jargon: We write in plain language. Legal and financial terms are explained in simple terms.

Objectivity: We present all debt relief options fairly. We don't push one solution over another.

Transparency: We disclose our methodology, cite sources, and clearly label affiliate relationships.

What We Don't Do

• No Paid Placements: We don't accept payment from debt relief providers for positive coverage or higher rankings
• No Hidden Affiliations: We're not owned by or affiliated with any collection agency, debt buyer, or insolvency firm
• No Misleading Advice: We provide education, not personalized financial or legal advice
• No Data Manipulation: Calculator results reflect mathematical reality, not commercial interests

Revenue Disclosure

How We Make Money:

• Referral fees from some partners (Licensed Insolvency Trustees, credit counsellors)
• These relationships are clearly disclosed on relevant pages
• Referral partnerships do NOT influence editorial content, calculator results, or educational material

Editorial Firewall: Commercial relationships have zero influence on what we write about, how we rank or compare options, calculator algorithms, or educational content accuracy.

For full details, see our Commission Disclosure.

Marcus Chen, Founder

All CollectorHQ content is written or overseen by Marcus Chen, who has:

• 9+ years researching and writing about Canadian debt relief
• Extensive consultation with Licensed Insolvency Trustees across Canada
• Published work on Medium, Substack, and Quora (500K+ answer views)

What Marcus Provides:

• Educational information based on legislation and industry practices
• Clear explanations of options and processes

What Marcus Doesn't Provide:

• Legal advice
• Financial advice
• Personalized recommendations

For Professional Advice: Always consult a Licensed Insolvency Trustee, lawyer, or financial advisor for guidance specific to your situation.

Educational Content (Unbiased): Debt relief option comparisons, provincial law guides, process explanations, consumer rights information.

Affiliate Content (Disclosed): Product/service recommendations that include referral links, lender comparisons, Trustee directories with affiliate partnerships.

Standard: Always disclosed, never influences rankings or recommendations.