Rogers Communications, one of the largest companies in Canada, has a lawyer, whose office is located in a house, collecting its unpaid accounts. Furthermore, nowhere on a recent collection letter from Brian McNulty, Barrister & Solicitor, sent on behalf of Rogers Communications, can one find the address for Brian McNulty’s law office in Milton, Ontario.
Collection lawyer Brian McNulty owes the public an explanation as to why his collection letter dated March 10, 2015, sent to a consumer allegedly owing monies to Rogers Communications not only fails to contain the address for his law office on file with the Law Society of Upper Canada but also why the footer on his collection letter contains the address for his client, Credit Bureau of Canada Collections, one of the largest collection agencies operating in Canada.
Each lawyer practising law in Ontario provides the Law Society of Upper Canada, the self-governing body responsble for regulatiing the conduct of lawyers in Ontario, with the lawyer’s address. It is possible to confirm a lawyer’s address by going on the website for the Law Society of Upper Canada, www.lsuc.on.ca, and searching for a lawyer on the website’s Lawyer and Paralegal Directory. I recently did a search on the Law Society’s Lawyer and Paralegal Directory for Brian McNulty for which there was one listing under that name. Here is a screenshot for this listing for lawyer Brian McNulty.
The Lawyer and Paralegal Directory found on the website for the Law Society of Upper Canada lists 36 Charles Street, Unit 2, Milton, Ontario as the address for lawyer Brian McNulty.
I recently came into possession of a redacted copy of a collection letter from lawyer Brian McNulty, dated March 10, 2015, sent to a consumer who allegedly owed monies to Rogers Communications. This redacted copy of this collection letter is reproduced below.
Nowhere on this collection letter from lawyer Brian McNulty can you find his office address at 36 Charles Street, Unit 2, in Milton, Ontario.
On Brian McNulty’s collection letter dated March 10, 2015, reproduced above, one can, however, find an address; 1450 Meyerside Drive, 2nd Floor, in Mississauga which, appears as the footer on this collection letter. This address just happens to be the registered head office for Credit Bureau of Canada Collections (CBCC), one of the largest collection agencies operating in Canada.
The address that appears as the footer at the bottom of Brian McNulty’s collection letter sent to a person allegedly owing monies to Rogers Communications is 1450 Meyerside Drive, 2nd Floor, Mississauga, Ontario, the registered head office for Credit Bureau of Canada (CBCC) , one of the largest collection agencies in Canada.
Actual location for lawyer Brian McNulty’s law office in Milton, Ontario
Yesterday I had lunch with a bankruptcy trustee in Mississauga, Ontario, and on my drive back to Kitchener I took a one kilometer detour in Milton for 15 minutes to take a photograph of 36 Charles Street, Unit 2. Imagine my surprise when I discovered that this building is a 2-storey house and nowhere–at least from the street–can one find any signage indicating that the office for a lawyer is located in this building which appears to be a residence.
This is a photograph of 36 Charles Street in Milton, Ontario, where, according to the Law Society of Upper Canada’s Lawyer and Paralegal Directory, Brian McNulty’s law office–in Unit 2 of this building–is located.
Rogers Communications is a very large corporation. They own the Toronto Blue Jays. Not that long ago Rogers spent more than $5 billion to acquire most of the rights to broadcast National Hockey League games. It would appear that Rogers Communications is now trying to cut some costs in some areas such as collecting unpaid accounts. If they pare their expenses on collecting unpaid accounts then maybe they could go out and acquire some first-rate starting pitching which the Blue Jays desperately need.
Omission of lawyer’s registered law office address on collection letter
As a consumer advocate, I am disturbed by the fact that Brian McNulty, Barrister & Solicitor, would send a demand letter to a consumer (1) on his letterhead, and (2) which he signed, in circumstances where his office address–the one he has on file with the Law Society of Upper Canada–does not appear anywhere on the letter. What would happen if a consumer desperately wanted to reach Mr. McNulty to discuss their account and they, for some reason, could not find Mr. McNulty’s address on the internet? We sometimes forget that a signficant percentage of adults–particularly low-income individuals, senior citizens, and recent immigrants–simply do not use the internet!
Is it asking too much for lawyers collecting monies from consumers to include on their collection letters the address for their law office–the one that they give to a provincial law society as the “registered” address for their law firm?
How many collection letters does lawyer Brian McNulty send to Canadians?
You, like me, might find it a stretch to believe that Rogers Communications, one of the largest creditors in the country, hired Credit Bureau of Canada Collections, to send out one collection letter from a lawyer in 2015. In the absence of any information to the contrary, it would be reasonable to assume, with some degree of confidence, that Brian McNulty–has in the past, or is currently–sending out a significant number of collection letters to consumers allegedly owing monies to Rogers Communications.
You, like me, might also find it odd that one of the largest collection agencies in Canada would hire a lawyer working from a house to send out collection letters on behalf of one, or potentally more, clients because of the relatively small size of the premises from where the lawyer worked from. As a practical matter, how many collection letters could be physically produced in a month at Unit 2, 36 Charles Street in Milton, Ontario? How many staff does Brian McNulty have working at this location?
With the assistance of the public, and potentially current or former employees at his firm or at Credit Bureau of Canada Collections, we should be able to get a better picture of how many collection letters lawyer Brian McNulty is physically generating each month from his law office located in a house in Milton, Ontario. If you have any knowledge regarding the actual production of Brian McNulty’s collection letters then I would invite you to call me toll free at 1 (866) 996-9941 or at (519) 827-5513, or to send me an e-mail at firstname.lastname@example.org
Request for copies of collection letters sent by lawyer Brian McNulty
I would invite anyone who has recieved a letter from lawyer Brian McNulty demanding payment of an account for Rogers Communications–or any other creditor–to contact me by calling me toll free at 1 (866) 996-9941 or at (519) 827-5513, or via e-mail, at email@example.com
If you work for an organization that routinely sees collection letters I would invite you to provide me with a redacted copy of any collection letters from lawyer Brian McNulty which I can post on www.comprehensivedebtsolutions.ca. These letters should black out any information that would (1) identify the name or address of the consumer, or (2) any details that would identify a consumer’s specifc account.
You can learn more details regarding this unfolding story by visiting a webpage dedicated to Brian McNulty on www.comprehensivedebtsolutions.ca. Here is the link to this webpage:
I have also created a dedicated webpage for Credit Bureau of Canada Collections (CBCC) on www.comprehensivedebtsolutons.ca. Here is the link to this webpage.
Who were the people who actually thought up this collection letter?
Having worked as a collection lawyer for 12 years I have some idea as to how large collection agencies operate, and the various approvals that might be required before a collection letter can be sent out on behalf of a major creditor. I imagine that someone at Credit Bureau of Canada Collections looked at the letter reproduced above, before it was sent out, even if it were to simply make sure the address and phone numbers were accurate. I have no idea whether or not anyone at Rogers Communications saw this letter or approved it in advance. I have to assume that Brian McNulty saw this collection letter dated March 10, 2015, before it went out because his signature, or a copy of his signature, appears at the bottom of the collection letter.
While I am curious who saw this letter before it was sent out, I am really curious about who was the person who actually came up with the idea of sending out a collection letter from a lawyer where the lawyer’s address does not appear anywhere on the letter.
In a previous life I worked as a collection lawyer for four of the ten largest collection agencies in Canada. During that period, from time to time, I might have seen a collection idea that I did not find a particularly good idea. But this collection letter is different. I have never seen a dumber collection letter in my entire life–and I am talking about a career in the collection industry spanning 22 years!
Collection tactics authorized by Rogers Communications
What has been the role of senior management at Rogers Communications responsible for third party collection agencies in connection with the Brian McNulty collection letter reproduced above used to collect monies allegedly owing to Rogers? Were they aware that:
1. a lawyer working from a house in Milton, Ontario, was sending out collection letters on its behalf, or
2. that the collection letters used by Brian McNulty contained a footer–the address for Credit Bureau of Canada Collections–and that nowhere on this collection letter did Mr. McNulty’s law office address appear
Will Rogers Communications take any action in response to this blog Post now that Brian McNulty’s collection notices sent on behalf of Rogers is a topic of public discussion on social media?
Questions about the judgment exercised by senior management at Credit Bureau of Canada Collections
What does this incident tell us about the judgment, or lack thereof, of senior management at the Credit Bureau of Canada Collections?
Was John Kim, the Executive Vice-President at Credit Bureau of Canada Collections, aware of all the details involving Brian McNulty collection letters and did he personally approve these letters?
John Kim is an individual who plays a leadership role in the creditor community. He is a member of the board of directors of the Credit Association of Greater Toronto (CAGT), an industry association representing the interests of creditors. Mr. Kim plays a key role in that organization serving as the First Vice-President, the second highest position on the board of directors, second only to the President, Brian Cherry, who is the President of A-1 Credit Recovery & Collection Services Inc.
This screenshot from the Credit Association of Greater Toronto’s website, www.cagt.ca, contains the contact informaiton for its board members including that of John Kim, the Executive Vice-President, and Principal at Credit Bureau of Canada Collections, who serves as the 1st Vice President of the Credit Association of Greater Toronto.
I could not have written today’s blog Post if it had not been for a person who works in an office where they have access to copies of collection letters sent to consumers. They were very generous in terms of providing me with redacted versions of collection notices sitting in that firm’s files–in which any confidential information regarding (1) the consumer’s identity or (2) the consumer’s account information were blacked out.
Call for Listening Posts
The success of the Mark Silverthorn Blog is due in large part to people in both the public and private sector–employees, or former employees, of collection agencies, in-house collection departments at major creditors, collection law firms, debt buyers, credit counselling agencies, debt settlement firms, and bankruptcy trustees. These individuals, who have an ear to the ground, have the opportunity to act as “listening posts”, who from time to time, might want to contact me to share with me what is happening in their industry, at their particular employer, or even a former employer.
At some point you might reach a decision, for whatever reason, that the public ought to be aware of a particualr matter. The information or potentially, the documents you share with me, might be crucial in helping vulnerable Canadians experiencing major challenges dealing with unsecured consumer debt. I would invite you to contact me, on a confidential basis, to share your story.
I am very fortunate to have some incredible contacts in the collection industry..
From time to time individuals will provide me with confidential information about an entity’s activities on a confidential basis. My number one priority is to protect the anonymity of any of my sources.
I would invite anyone reading the Mark Silverthorn Blog to consider becoming a listening post and potentially someone who might provide me with tips for stories which the public ought to know about.
For more information about collection lawyer Brian McNulty and Credti Bureau of Canada Collections you are invited to visit my firm’s website at www.comprehensivedebtsolutions.ca.