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ARC Judegement threat
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blackcat View Drop Down
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Joined: 18/February/2010
Posts: 11 		Post Options Post Options   Quote blackcat Quote  Post ReplyReply Direct Link To This Post Topic: ARC Judegement threat
    Posted: 10/June/2010 at 8:43pm
Ugh, same thing happened to me with ARC collecting for Scotiabank. I was unfortunately scared into bankruptcy. :(  You have time to file, first ARC must send something to you and you have like 2 or 3 weeks to respond (I think 3....) so you ignore it and use that time to file bankruptcy before it can go to court. The day the trustee files for you they can't proceed anymore.
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Johnny View Drop Down
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Joined: 05/November/2003
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Posts: 4199 		Post Options Post Options   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 10/June/2010 at 7:49pm
I figured. THey don't counsel anyone. They use "counselling" as a measure to make you feel like you are receiving something that protects your best interest. It is SO far from the truth. I sympathize with you, mate.
 
Johnny
The Canadian Financial Wellness Group (CFWG)

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euland21 View Drop Down
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Posts: 2 		Post Options Post Options   Quote euland21 Quote  Post ReplyReply Direct Link To This Post Posted: 09/June/2010 at 8:16pm
nothing
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Johnny View Drop Down
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Posts: 4199 		Post Options Post Options   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 08/June/2010 at 3:54pm
What did credit counselling do to help you when you couldn't pay them any more??????
The Canadian Financial Wellness Group (CFWG)

www.cfwgroup.ca
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euland21 View Drop Down
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Posts: 2 		Post Options Post Options   Quote euland21 Quote  Post ReplyReply Direct Link To This Post Posted: 08/June/2010 at 2:17pm
Hi,

I had a student loan in 2000 thru OSAP but was cashed in at Scotia bank. I have had low paying jobs since leaving school and i've only made over $30000 once since then. i am currently a single mother of two, unemployed and on e.i for another 2 mths. I have tried making payments through credit counselling over the years and then I couldn't anymore. I received a call from ARC and spoke to two very unpleasant representatives. They hve threatened to file a judgement against my possible future employment? I have decided to file for bankruptcy because I have no other option at this time. what happens if they file a judgement before my bankruptcy? What should i do now? I can't afford any form of payment.
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