2009-10-12
Author: Linda Paul
In BC, most creditors (including Visa) have to obtain a court judgment against you before they can garnish your wages. If they are going to apply to court for this type of judgment, they have to first serve you with notice. In Small Claims Court, this is called a "Notice of Claim." So, if Visa has your current contact information and if they haven't yet served you with a Notice of Claim, it's very unlikely that they have a judgment and it's therefore very unlikely that they could garnish your pay cheque. Unfortunately, many collectors will tell you that they are ready to garnish, even though they are not legally in a position to do so. If a collector is telling this and you haven't been served, ask them for the court number and a copy of the judgment.
CIRP, LIT
Senior Vice-President
Servicing: Abbotsford, Chilliwack, Maple Ridge, Surrey, Langley
2025-06-19
With the school year beginning and thousands of Canadian students beginning a new semester of post-secondary studies, all those hard-earned dollars from summer gigs are now being applied to tuition, books, transportation, housing, and supplies.
2025-06-18
The cost of daily goods has been rising over the past few years — increasing the price of food, gas, clothing, and many other essential items that Canadians need in their day-to-day lives.
2025-06-16
Bankruptcy Alternatives to Bankruptcy
Let’s review what a Consumer Proposal is, as well as the pros and cons of filing a Proposal, to help you determine if it’s the right solution for your unique situation.
