So, you collect welfare and rack up debts. Wow, you are a real winner. You know if you'd saved money when you had a job, instead of spending it on whatever crap you spent it on (probably alcohol), you wouldn't be in a situation like this. Next time, try not to be such a loser.

It's a damn shame they can't garnish your welfare.

lazygirl is wrong, judgments can not be obtained in three weeks.

First: A claim must be served upon the consumer.

Second: If the claim was served by hand, the consumer has 20 days to file a Defence before a Default Judgment can be obtained. If the Claim was served by mail, the consumer has 40 days to file a Defence before a Default Judgment can be obtained.

Third: If a Defence has been filed, then a Settlement Conference is scheduled to allow the consumer an opportunity to plead their Defence.

The Small Claims Court and Rules of Simplified Procedure are in place for a reason.

Feel free to contact me: info@occa.ca if you're being abused by people, like lazygirl, and want to know the facts.

I would like to see Lazy girl file in court in 3 weeks First of all we get to file a defense to your motion then when we go to court and explain our side of things and how you jerks at the Colection agency dont listen Dont read the paper work dont look at payment historys. Then see who will be laughing probally the person who gets damages awarded and then we get to take a piece of your pay cheque

Here we are, folks, Lazygirl is a perfect example of the vermin C/As that are unprofessional, abusive, and downright ignorant of the laws they happily ignore. Lazygirl, in order to get a judgment in less than 3 weeks, you'd have to have FILED first.

I have to agree with Joe. "Bozo" is an apt term for the likes of Lazygirl, whose nym is perfect (some might say her choice is Freudian) given that these unprofessionals practicing quasi-law are too lazy/uninspired to get to know the legislation they are obligated to operate within.

Hey Ray, You are clearly one of those guys who couldn't man up and deal with the bills you created. And helping the rest of the world become bad debtors that don't pay their bills is just adding to the seious lack of accountability. Your heathy contribution of loser behavior makes saying "No" when you ask for money so enjoyable. And FYI, Judgments can be obtained against debtors in less than 3 weeks. Looks like someones paycheque is gonna be a little ligher than usual. HA!!

I hope people will listen to my advice. Here is how I settled all my debts for 10%.If I were to listen to all the bozo's at the collection agencies, none of my debts would of got settled. It’s takes a few telephone calls to the creditors, and finding out who the senior managers are. I still have my list of managers that helped me settle my debts. If you want to let me know which creditor you owe, I can send you the contact person and their fax number to where you can send them a letter explaining your financial hardship. I wish the creditors would get rid of the collection agencies, and on the along run less people would go bankrupt.

Received a voice mail from some jack-ass at Alliance One today. In it he politely requested a call back, then left his number. Funny thing is, he forgot to hang up the phone/head-set. So later in the voice mail I heard him joke with a colleague about how one caller indicated that he woke Grandma up {"Oooouuu, I woke Grandma up.. Better get the lead out"}. After saying that, he broke out into a gangster style rap before realizing that he still had my voice mail on the line.

So the summary, what I enjoyed listenening to today just proves that these imbeciles truly are just that. Wasted Space. So anyone dealing with Alliance One has nothing to fear in my mind.

O.C.

Oh thanks so much Raymond, you are an angel :) having a heart condition and trying to deal with this has been tough. Especially when you don't know what the laws are. I've been losing sleep wondering what to do, and wondering how much they can do to me.

Thanks for shedding light on the situation. It has really eased my mind. :)

Very likely a bluff, especially, if they know you're on disability and Ontario Works, they'd be lucky to get 20 bucks a month in a payment order and it would take them the better part of a year to go through Small Claims Court with its mandatory pretrial mediation process to even get that. Ask the judge for no interest while not in default, if, in the unlikely event, it ever actually makes it to trial.

Social assistance payments are NOT subject to garnishment anyway. Also, people who are garnished can request a hearing to have the amount reduced if it proves onerous in their circumstances.

In your case, it might even be better to let them know you're on Ontario Works, if they don't already know, so the creditor will see the futility of trying to sue you.

You've got nothing to lose so you might as well call 'em up and tell them to see you in court if they want. In Ontario, they've only got 2 years to file a claim after the account went belly up. After that, it's stats barred. Be careful not to provide any partial payments or written acknowledgments of the account unless you are in a position to settle it because you will renew the limitation period every time you do - but ONLY if it's not already stats barred.

Remember this! All collection agencies are pathological liars and bluffers. Never believe anything they say!

Ray

Fairly new here so bare with me I have a few questions.

Current Threat From Alliance One:

"We hereby provide this notice, Unless payment is made in full within 48 hours, immediate steps can be taken to issue a Statement of Claim to Obtain judgment in court. Be aware once we obtain judgment we can proceed with any or all of the following

· Garnishee of bank accounts / wages
· Execution agains goods and chattles
· Examination in court under oath as to assets and ability to pay"

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Situation: took out a loan with the Devil...err I mean Wells Fargo for $3500, soon after lost my job, then had serious medical issues so have been off work a long time.

Loan: Is in my name only, my common law spouse did not sign anything and no co-signer

Income: currently Ontario Works assistance direct deposited to my bank account

Contact with the agency: I have never ever spoke to them on the phone, and doubt I ever will, I don't trust them. I have put together a letter advising them of my situation, and will send it regular mail tomorrow.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Questions:

1) From what I read, Ontario Works funds, even once direct deposited to my bank account can not be touched. is this true?

2) 48 hours? How long does it actually take them to go through the process. should I be sending my letter express?

3) Any other suggestions on dealing with the matter?

Thanks much