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Unsecured creditors can sue you if you don’t spend your bills.

Unsecured creditors can sue you if you don’t spend your bills.

To find out more by what to complete in the event that you don’t Pay tipsheet and seek legal advice if you are sued, see the What Creditors Can Do.

Seizing home

Creditors might take action to seize your premises by way of a civil enforcement agency with no need for the judgment if:

  • you have got purchased things by way of a time product product product sales contract and you’re behind or have never made any re re payments
  • the creditor is secured with a chattel home loan along with payment arrears
  • your debt is lease owed up to a landlord

Stopping a seizure of home

Confer with your creditor instantly. That you owe, the creditor may leave the seized property with you if you can start paying some of the money.


Garnishment is really an appropriate procedure that the creditor usually takes following the court honors a judgement against you. The creditor asks the court to use the cash (garnishee) you borrowed from from a true quantity of sources like

  • your earnings cheque
  • your account at an institution that is financial as a bank, treasury branch, trust business or credit union
  • records receivable (money due to you by other people)

Bank-account garnishment

A creditor who garnishees your money is permitted to use the whole sum of money that your debt.

Objection to a garnishment

To avoid the garnishment procedure or even make modifications towards the garnishment by the creditor, you have to have a court purchase. You will probably require an attorney to take action.

In case a creditor sues you

A creditor gets the choice of suing you into the Civil Division of Provincial Court (previously referred to as tiny claims court) or even the Court of Queen’s Bench. (more…)