The 3 Kinds of Debtors
(and How to Work With Them)
1. Those who’ve made a mistake and want to resolve it.
These individuals are the easiest ones to help. Sometimes people
overlook an invoice, go through temporary cash flow issues—or
possibly didn’t receive the bill in the first place. In these cases the
solution can be as simple as discussing payment methods (we accept
Interac eTransfer, bill payments through online banking, debit cards,
credit cards, cash and cheques to make it really easy) and proceeding
to clear up the debt right away.
2. Those who dispute the debt or want to avoid paying.
Some disputes are absolutely legitimate. The bill may have been paid
in full but improperly recorded, or we may have been provided with
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inaccurate information and are calling the wrong number or the
wrong John Smith. To help resolve these quickly, we’ve created an
Online Dispute form, which helps get the correct information to our
agents and a Report a Wrong Number form.
In some cases, the dispute may be simply an excuse not to pay, Donald
Trump style. It’s important to respectfully hear the debtor out,
examine the creditor’s documentation and notes, and take appropriate
action based on an assessment of all the facts.
Need help finding the right Canadian collection agency? Be sure to
download our free guide with the link below, or reach out to a helpful
debt collection expert directly!
3. Those who have a real problem in repaying the debt.
These situations can be the hardest to resolve, and are where
MetCredit collectors tend to shine the most brightly. Many people
find themselves in a difficult financial situation at some point in
a lifetime—I know what it’s like, and the only way out is through
strategic problem-solving. You’ve got to have an actionable plan,
and carry it through. Our collector’s job shifts into a consultative
one for the person in debt, looking at the situation holistically and
seeking out solutions beyond the debt owed to our client to achieve
an all-around better financial situation. Helping a debtor through
the challenge at hand, and to also make long-term changes is highly
rewarding to our team members. Check out some of their videos for
unscripted first-hand accounts.
Although no two situations are ever alike (I often talk about how
we’re in a people business, and people are all unique), these three
types make up nearly all of all our calls.
For business owners or AR managers, it’s important to look carefully
at the situation of the individual or business owing the debt, and
seek to understand what is going on. Is there a legitimate problem
that needs to be addressed? If the debt is valid but the customer is
resistant to paying, use our online tool to submit the account for
collection. Putting expert, solutions-oriented collectors to work will
get you paid quickly, and let you get back to the work that earns you
2022 Decorating Trends
2022 has brought along some changes to home decorating! Homeowners
are seeking refuge and looking for warm and cozy spaces.
Home finishes are reflecting this warm feel with brown and beige
finishes coming into play in 2022.
When it comes to room design, black metal is a prevalent finish in
stair railings, windows, dividing walls, kitchens and faucets. Custom
and botanical wallpapers are on either feature walls, or on all walls
of a room. Surprisingly, although the 2022 Pantone Colour of the Year
was Veri Peri, a blue hue with red undertones, most paint companies
are choosing green hues this year.
Due to concerns over the environment, people are looking for reclaimed
natural materials. Some home accessories that are popular
include geometric, metal, textured, angular, black and rough surfaces
or strong colours.
With more people spending time in their homes, there are less open
concept floorplans being requested. People are looking for dedicated
activity spaces such as home bars, meditation spaces, home theatres,
home gyms, office spaces, dining rooms, wine cellars and art studios.
Outdoor spaces are being visually extended by using cantina folding
Lori Drinkwater, CID
Fresh Look Design
Front Doors and Staircases
Front Doors and Staircases. It is known in the FengShui tradition
that staircases facing directly in front of the main front door are not
Why is this?
Specialists will say that energy will rush into the house and right up
to the first floor leaving the main floor bereft of that good energy. The
staircase can conversely have the effect of pushing good energy out
the door and out of the house.
rooms on the main floor. Others might suggest a large potted plant,
hall table or another featured accessory that will, to some extent,
focus and guide energy coming in from the front door elsewhere into
Fengshui remedies are individual to the unique layout of each home.
Check with a local expert as to how to remedy your front door and
staircase situation. Enjoy the balance of nourishing and beneficial
energy coming into your home.
With smaller houses, staircases are often positioned in front of the
door as the only option due to lack of space. Homes with larger foyers
have a distinct advantage in that the energy has space to pool on the
main floor and flow around the staircase.
Some experts might recommend a decorative screen placed in front
of the staircase to allow the energy to be deflected into adjoining
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PF Custom Counter Tops
SINKS & FAUCETS IN EDMONTON
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Are you looking to get some work crossed off your to do list? Go handy can give you a
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As part of our start-to-finish service, we offer a full range of sinks
and faucets at competitive prices. This allows you to work with
our staff in our showroom to choose the sinks and faucets that will
work best with your countertops.
Sinks and Faucets Available at PF Custom Countertops
GROHE award-winning faucets are designed from fine materials
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Delta faucets are available in a wide variety of styles and finishes.
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since 1925. Today, BLANCO faucets, kitchen sinks and compost
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BLANCO has been producing high quality kitchen technology
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Support of Mustard Seed, Hope Mission,
Moms Canada, Little Warriors,
Edmonton Minor Soccer Association
and other local charities.
All proceeds go towards helping families gain access to affordable home ownership.
You never know what unique product will be waiting for you! Each of our Re-
Stores is a bit different in layout and product, but one thing that is the same
is our stellar customer service and value based prices.
Every donation from a home or business can be dropped off at
one of our ReStores or picked up at your doorstep by our ReStore
Team. To donate visit HFH.org/restore or call (780) 477-4057. Your
donation of product is also eligible for a charitable tax receipt.
Meet new people while helping a life-changing charity! There are
plenty of volunteer opportunities at ReStore, and our friendly staff
would love to have you join us.
Visit us Monday to Saturday from 9:30 am – 5:00 pm!
The ReStore Impact
ReStore contributes funds to Habitat for Humanity to help families like
Rhonda’s and Reier’s. This amazing couple had big plans: Reier was
working on a computer sciences degree, they started a family, and
wanted to purchase a decent house. Due to circumstances beyond
their control, they were pushed out of home ownership.
After their financial situation improved, Reier and Rhonda began
renting an old townhome. Although it was a step up, they were
concerned that rent increases would keep outpacing their income.
They worked out that they could afford a down payment if they
saved for the next 10 years and their rent didn’t keep outpacing
their income. And so they gave up on owning a home.
The couple then found Habitat, applied for home ownership, and received
a home! It’s the first home that hasn’t felt temporary. Reier and
Rhonda no longer worry about rent increases outpacing their income, or running
to the fuse box when the washing machine and the microwave are running simultaneously.
Read Reier’s and Rhonda’s full story at www.hfh.org/stories.
The treasures you’ll find
Cabinets, Cabinet Sets,
Fasteners & Hardware
Lawn & Garden
Lighting & Electrical
Tools & Equipment
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BENEFITS OF RESTORE
Funds affordable home ownership
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Excavators reminded one call may not
Rocky Pooke launched 2nd Call in 2009, a company that double-checks
line markings at excavation sites to ensure live and abandoned
hazards are all identified.
For years people have been told to call before they dig, but what
many don’t realize is there should be two calls made before breaking
Most are familiar with Alberta One Call, a service that allows project
managers to make a phone call and have lines in the ground marked
by the utility agencies who own them, like Fortis, ATCO or Telus.
The problem is, there are a lot of things in the ground that won’t be
checked by One Call, such as Shaw Cable fibre, because the cable
company is not a member of the service.
That’s where Rocky Pooke and his Vegreville-based company come
in. He founded Alberta 2nd Call Secondary Underground Locating
Services Ltd. to address those instances where one call is not enough.
“Back in the 70s or 80s when [One Call] was started, that’s what was in
the ground, the basic utilities,” said Pooke. “The problem is, the world
has changed and there’s a lot more stuff in the ground now that isn’t
registered with One Call. And it isn’t law that it has to be.”
As a trained fireman, master electrician and safety codes officer,
safety is of utmost concern for the owner of 2nd Call, which operated
separately from Alberta One Call.
While One Call uses its map of reported lines and contacts those companies
when needed to go out and mark their underground hazards.
Pooke said it’s not always 100 per cent
“Even though a company may be part of One Call there’s no guarantee
they’ve reported all their utilities to the One Call,” he said. “The other
issue is just because everything is reported it doesn’t necessarily get
marked, because there’s no other check. If it’s not on the map they
ain’t checking for it.”
His company got its start after a disturbing incident in 2008. An excavator
in the Vegreville area had struck a live wire, and a local utility
company was found guilty of negligence for improperly mapping the
line – which wasn’t its own. It had been doing a favour, something
commonly done then, said Pooke.
A letter was sent to contractors notifying them of the practice, and
stating utilities would no longer be marking lines for other agencies –
in other words, information on some other lines lurking underground
would not be provided if the company that had installed it wasn’t
responding to the One Call.
“Abandoned lines are all over Alberta and once utilities abandon
line they typically come off the maps,” said Pooke. “Is it possible an
abandoned line has enough product in it to hurt or kill you still? Absolutely.
“So there’s still lines out there that could have gas in them, or at least
enough gas for a flashover, and there are power lines that are still
energized, and we know because we find them and we know they’re
His company goes out with a transmitter and two people, who walk
the area in a grid formation and flag anything their equipment picks
up, rather than relying on what comes up on a map. They’re looking
for anything locatable, he said.
If it’s possible to distinguish what it is – power, water, sewer, gas – it
is marked accordingly, and if something is picked up but unidentified,
it’s marked with a neutral colour so excavators know there is an
unknown hazard underground, he said.
“The One Call is a great first step,” said Pooke. “In my opinion it really
should have been called the First Call, because you can’t get everything
checked for properly with only the first call. You need another
“If you do One Call it checks about half the stuff that’s down there. If
you do 2nd Call it double-checks the first stuff and checks for the rest
His interest was piqued after a ruptured gas line northwest of Turner
Valley resulted in a fatality Nov. 7.
He said he spoke with Turner Valley RCMP and the fire department to
find out whether locates had been done, but it’s unclear whether One
Call visited the property.
Alberta One Call did not respond to the Western Wheel’s request for
information prior to press deadline.
“My big thing when I was checking it out was – was this preventable?”
said Pooke. “People still largely aren’t aware, and they don’t know that
two calls should be made – at least.
“We’re way past the need for two calls. This should have been happening
10 to 20 years ago, so we’re behind the eight ball but thankfully
we’re here now, it’s just to get the awareness out to everybody and
educate them on why they should be doing it.”
With several trenching and commercial jobs on the go, Pooke decided
he couldn’t put his guys in danger and began looking for companies
that would look for everything, if One Call wouldn’t be.
All he could find was companies who did locates for One Call, but nobody
who went out on their own. So he decided to fill that void with a
company of his own, and 2nd Call was born.
His biggest concern was with mismarked lines and abandoned lines,
which wouldn’t be reported by a One Call response.
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with fabric for over 50 years
Design philosophy has evolved and the
modernization of spaces now includes augmenting
beauty and style through strategic and creative use
of textiles, upholstery and draperies.
Any room can now be easily softened with the right
selection of fabrics. Any home can benefit from our
decades of expertise. From contemporary to
traditional styles, from classic to modern and even
new builds, our interior experts will bring a fresh look
and enticing feel to your home.
Reasons You Should
a Leak In Your Roof
Maintaining your home is a mammoth task that requires your attention
and time. We tend to overlook certain things, such as a dent in
the closet or a leaking tap. But, when it comes to a leak in the roof, it is
hard to ignore as it causes great inconvenience. At Silverline Roofing,
we are residential roofers and we provide expert roofing services in
Edmonton. Our services include residential roofing, skylight installation,
reroofing, roof inspections and roof repair.
Four Reasons Why You Need Roof Repair
Here’s why you need to fix your roof:
1. Ignored repairs tend to be expensive
If your roofing structure is getting weaker by the day due to water
exposure and you are avoiding roof inspection and repair, the damage
will get worse and you will have to invest a lot in the future in roof
repair. It’s advisable that you get it done in due time to avoid future
4. Mould formation
As wet wood rots, there is fungal growth on them that cannot be
avoided for long. Mould is a fungus that can speed up the wood
rotting process and also cause health issues. When mixed with other
substances in the air, mould can form harmful toxins. To avoid respiratory
problems and prevent your roof from falling, repairing it on
time is the best alternative.
substances in the air, mould can form harmful toxins. To avoid respiratory
problems and prevent your roof from falling, repairing it on
time is the best alternative.
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Acheson, AB, T7X 6C6
2. Increase in power consumption
A leaky roof has the potential to destroy the insulation in your attic.
Wet insulation materials take a long time to dry out, which in turn
reduces the resistance to temperature change. This will lead to heat
loss, and you will see the effect in your electricity bills.
3. Corrosion of materials
Roof leakage causes damage to wall frames and ceiling joints. Exposure
to moisture breaks wood down and it begins to rot. With time,
this might even cause the frame of the roof to weaken so much that
it collapses. Water flows downwards; hence, this not only affects the
roof but also the foundation of the house.
Living in a small home has so many perks, but one drawback is that it often feels
cramped. It’s easy to feel like you don’t even have space to breath in your own
home. One way to combat this is by creating the illusion of vertical space in your
home. This can be achieved through using low to the ground furniture. When
you’re sitting lower to the ground the space above you increases, and so does
the optical size of the room!
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