I would get the collection act in your province and read up because they are not allowed to call you at work more then one time just to find out where you live and home telephone number. They would not know your banking information unless you told them and I would not volunteer that if I were you. I think you have a point and need to investigate it more. If the judgment was never renewed after 1997 then you’re in the clear. I believe for some reason they have because I heard cmhc are strict, but don’t take my word for it till you do your investigation. I would ask the people where you got the judgment information if the judgment were renewed ever six years starting in 1991.

oh and I don't see an expiry date and there is a filed date of may 21 1991

yeah they know my workplace they call me there and i am assuming the know where i bank too.
Do you think i have a point on the judgment date and the first renewal date?

Did your paperwork say an expiry date on it? I believe you told me only a renewal date. I think you need to do some digging around because you might be getting jerked around. In my opinion I wouldn't call them. Do they know where you work or know where you bank? If they don't I think you will be fine. I wouldn’t get scared of those lawyers letters for the simple fact eighteen years have gone by and I’m sure you can avoid them for two more if you have too.

What about the lawyer letter that i got yesterday?
it says that I must reponse by may 1 2009 which is tommorow.
The original judgment date is May 15th 1991 and the first renewal date was on the May 21st 1997, doesn't it mean that they renewed five or six days after it has expired.

sorry typo on the date. now is correct

Were on the right track now, and I would wait and see if they renew before you talk to them. If were correct them there is only two years left on this judgment.

I did some calculation and if the judgment was awarded in 1991 and renewed every six years then this judgment should be done in 2012 or 2013 like I stated earlier. I think I misread; I believe what there are saying is that they can renew this judgment again on May 20, 2009 for another term which I believe that would be two years by my calculation.

Sorry, i should also add that there are two more renewal dates on may 21 1997, may 21 2003 and yes the orignal judgment was on 1991 and the lawyers are the different from the one that sent me the letter.

the original judgment date was may 15th 1991

Does it say if the original judgment was done 1991, because after the short sale the deficiency judgments are usually done within six months or less? Does the judgment say it was done by the lawyer you mentioned the other day? How can it be stamped May 20, 2009 when were still in April, something don’t sound right. Here is an example of a judgment I had filed against me. The judgment was awarded on February 9th 2007 and lawyer registered it with the registry in my province on February 20th 2007.The creditor registered it for ten years till February/2017.If I don’t settle this debt by then, they have the option to renew it for another ten years. I believe they can renew judgments 6 years at a time also. If yours has been registered for six years it sounds like this judgment might be on its last term and it will expire for good in May/2016.I was thinking your judgment should be done in 2012 or 2013 at the latest. I would investigate and see if they were renewing the judgment every six years starting in 1991 and there after on time.

OK i am back.
there is a stamp that says Renewed for the further term of six years from this date 20 May 2009