Here's an article you might find useful we posted a while back on legal action: http://totaldebtfreedom.ca/articles/article_8.htm

I live in Ontario and my common law husband Owes Citibank Canada $16,000. He is $1,500 in arrears and they want their money!! I am not on this card but I am afraid they can garnish his wages with a court order which would affect our ability to meet othe financial demands like mortgage, car payments and childcare. What CAN/WILL they do and what is their timeline before doing so?

I live in the UK. Was paying my min payments until last Sept when I got laid off. Can't make the payments anymore and that's whats got me in the trouble I'm in.

Already settled with MBNA rewards points for 20% and trying to get the same out of CIBC, but they won't budge.

IF you don't live in Canada, and don't have assets, there's not much they can do. They could probably get a judgement against you in the province that the contract resided in and then find a lawyer to go after you... However, that's pretty unlikely, and the lawyers fees would chew up the $13,000 pretty quickly, assuming you had it.

You're right, your CANADIAN credit rating will be messed up, however, if you're not going to be in Canada, it doesn't really matter.

You will have to start a new credit rating in the country that you're living in though.

I am currently trying to settle with CIBC.

When places threaten legal action ($13k debt) what can they do? Some things that may influence what they can do.

- I no longer live in Canada and probably won't return.
- I don't own any assets other than clothing, tv etc.
- I'm not concerned about negative remarks on my credit rating as I'll be out of Canada for a minimum 5 years.
- My rating is already messed.

Thoughts?