To find out more information on AB or BC seize or sue laws visit seizeorsue dt com. It has all the information you need. Once the repossess your vehicle they will not be able to come after you for any additional money.

Sorry for your loss. The bottom line is creditors do not have feelings. I would read over your contract carefully and I bet it states in the contract that they can do what they are doing, if they couldn't a bailiff wouldn't get involved. The only way for anyone to protect themselves from these places is not get a car from them. Did they put a gun to your head to sign on the dotted line, if so then you have a case against them?

dreemr13,

And you’re proud of this that they can’t find where you live or know where you work at? When you sign on the dotted line you can be sued for every penny you owe. When they sue you and they get a judgment it will show up on your credit file and somehow they will find out where you work at and garnish your wages. The best thing to do is call them up and try and settle the debt for a percentage on the dollar and save your self some headaches and the court costs.

Cheers

After talking to a lawyer and a couple debt consolidation people, etc, etc, here is what I found out for Alberta.

1) In Alberta the repo laws are seize or sue, they cannot do both.
2) A bailiff doesn't get paid until recovery, either vehicle or payments.
3) If a bailiff shows up at your door to repo your vehicle, they can only do so without breaching the peace, so if you refuse to surrender the vehicle or argue with them, they cannot take the vehicle.
4). If a bailiff shows up to repo your vehicle and you hand it over voluntarily, the creditor still has the option to sue. This is if the vehicle does not cover the loan on the vehicle.
5) If you refuse to give the vehicle over voluntarily, the bailiff will seek a judgment to seize the vehicle.

6) If the bailfiff has the court documents to proove they can forcibly take the vehicle, then the creditor has excercised the seize or sue legislation by choosing to repo the vehicle and they CANNOT sue or pursue you for the outstanding balance.
7). The bailiff (civil enforcement people) WILL LIE TO YOU. They are the property version of a collection agency. Stick to the above and you will be fine and within your rights.

8). Keep records of every cent you send.