i need some urgent advice thank you

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catsarepretty

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i need some urgent advice thank you
« on: May 16, 2018, 04:29:32 PM »
how exactly  do writ of execution work ?

here is my situation

i dont wanna file bankruptcy because ill lose a 12k disability tax credit im applying for

consumer proposal/ consolidated debt/  debt management program  is not an option since i have zero income

im litteraly thinking of just waiting the debt out till the statue of limitations is hit ... its like 60k in debt and there is zero way ill be able to pay it
i dont have a wage so they cant garnish anything...

a)   i dont have a car or house HOWEVER my mom has an apartment (where im living, hence the address is on file ) that she is mortgaging ...my question is can they LEGALLY do a writ of execution to take stuff on an apartment thats under  HER name not mine... my understanding is that they cant ... i just dont want my family to be in any way shape or form liable for my actions thats why i wanna do as much research as i can and make sure I fully understand all the consequences
as of right now the cards have been paid due to me doing a cash advance to pay them but that will not last forever specially with the promotional rates ending soon

I am living in quebec

If there is one just one question that I would really appreciate the answer too its this one as I absolutely don’t want anything to happen to my family
regarding the banks

b)   can a creditor go after a bank account OTHER than the one you had originally acquired debt with... for instance i had a card with bank A... i decide to stop using bank A and use bank B as my main bank account ... this account has never had an issue. can company A withdraw the money in bank B

please i also need an specific answer regarding this

in case you are wondering why i need a bank account i may get a registered disability savings plan  that has to be under MY NAME  only I also have a bit of cash

c)   how does bank garnishment work exactly… is it done once or is it recurring … if its recurring how long does this last?
Is there ANYTHING else a credit collector can do to me apart from the options mentioned above … which  according to my research are wage garnishment, bank garnishment , writ of execution , going after property

im also thiking of settling   if it gets to around ten cents on a dollar  with mom help  mainly and just a tiny tad of money i have i just dont know between waiting it out and settling which is better...

d)   im thinking of going solo against creditors if ever im sued , I know about affirmative defense (prove to me I have a contract with you in written , prove to me you own the loan and how much you paid for it in written  , proof of judgement  etc) ive done some homework but what I don’t know is the exact steps I should take to defend myself … e.i example what form to file in to ask discovery how to exactly reply to a summit… what exactly should be written in the settlement so that my credit isn’t as affected … I would appreciate any tips regarding this

e)   do BANKS NOT collection agencies sue people has this ever happened, or is it only collection agencies , my understanding is that after six months the debt gets transferred to a collector… and they are the ones who sue you but never the banks am I correct?

f)   would anyone recommend a good trustee or even a pro bono lawyer… not necessarily to take the case but to guide me as to how to defend myself

g)   if heard of an insurance that pays your minimun card payments if ever you have health issues my point is that given that I have no income whatsoever is it worth it to try it out or would I get denied


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AnaforsK

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AnaforsK

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