I want to let everyone on here know I went to my settlement conference and met with Joel Misken outside the court room and He was very polite and we agreed on a settlement before we got into the court room
He was fair and understanding and I am glad I actually delt with Him directly and not anyone from MJR Collections
For me personally it was worth going the distance as it is final and I don't have to deal with MJR anymore
What I am saying people is don't talk to MJR Collections only talk to Joel Miskin for me it was the best thing I ever did
Cheers Everyone

So how will they know when I am back on my feet ?
How can MJR Collections know what is going on with me and if I am working ?

Because a judgment is on the record for longer and they can go after you once you are again on your feet, have a job, etc. I forget at the moment how long a judgment can last for, and all they have to do is renew every 6 years I believe.

So I am going for a Settlement Conference next month and I am as I have been told "judgment proof" I would like to know even if it goes to trail (I take it from what I seen it's 6 months after the settlement conference) why would a company take someone to trail when they will never get a dime ?

At this point I have no choice but to go all the way if need be
and I can't afford to even give these people even $10 a Month so what happens in that case ?
My Court papers that were served to me have Joel Miskins name on them should I request at the Case Conference that Joel Miskin is the one there ?
As I seen on the Papers that He has to be the one there not some named Silverman
What happens if I move to say Alberta in the future can they do anything as this is all in Ontario ?

Yes, sad to say, I do know how far they might go; and that is all the way.

Even though Mark Silverthorn, formerly Miskin's industry counterpart, terms people in your sad situation, "judgment proof" (no income or assets); nevertheless, occasionally, agencies will get the creditor's permission to obtain a judgment against them in case things get better down the road for the defendant. In particular, Canadian Tire Bank is one of the lenders who don't care what financial state the borrower is in when deciding to litigate. After all, a judgment lasts for at least 20 years and its enforcement writs are renewable every 6 years. They'll spend $100 to file a Form 20C or 20D with the local sheriff's office and that'll cover everything for 6 years, until renewed.

Most people in your situation never bother to file a defence, figuring they have none, or it's not worth the bother. This makes it easy for the creditor to get a default judgment. In 10 years, if your situation improves, the original judgment with post judgment interest @ 18.9% will rise to over $34,000.00 when legal costs are added in. Thus you will be in perpetual bondage to poverty unless you declare bankruptcy.

Better to file a defence in Small Claims Court as you've done; and if it comes to trial, you can request a payment of $10 a month with no interest while not in default of the payment order. If it's a mean judge, offer $15 or $20, and pay it with your GST refunds.

I made my last payment in March 2010

When was the last time you made a payment on this account?

I was served Court Papers 3 weeks ago stating I owe Canadian Tire Bank ie.. Joel Miskin (really MJR Collections) $6000 and change which I am not disagreeing on
What I have tried to explain in writing as I refuse to give these People the time of Day on the phone is this
I am not Employed nor probably won't in the future (health problems)
I have no assets
I have no Bank Account
I have nothing !!!!!!!!
As sad as it is that is my situation and I filed my Defence stating that
now I have to go to a Case Conference Settlement and say it again
Does anyone know how far these people will go until they get it they can't collect from someone that has "nothing"
Is this Company stupid enough to take me to trail and waste not only there time but everyones time
I hope someone out there can enlighten me about MJR Collections