collection agency up my ass but moving to canada

[black magick hustla]

so idk some fuckers are prowling for me because i owe money to the big man. i guess they can fuck with my credit report. maybe sue me and garnish my shit. they can garnish my shit i have literally nothing except like clothes (my computer is broken) and books. but i got a job lined up in alberta canada doing computer shit so im gonna move to canada so you know what fucking collective agency

go eat a dick you motherfuckers destroy my credit dont care canada doesnt care

[black magick hustla]

third country in a row where i will live. internationalism ftw workers have no country blahblahblahblah and i am 21?????

[NoOneIsIllegal]

Awesome. I fucking hate bills. Fight the power... Until you have to fight the Canadian power (wait, do they have one? it's a foreign, wyld land to me...)

[JazzRemington]

http://credit.about.com/od/debtcollection/Debt_Collection.htm

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

Depending on what they told you exactly, you might be able to sue them actually.

[Os Cangaceiros]

Doesn't "garnishing" refer to your wages? I don't think that anyone except the IRS can do that...

Of course they can sue, but like you said, you can't exactly get blood out of a stone.

[the last donut of the night]

your life might just get worse in alberta, btw. it´s like the utah of canada, but way richer, so it´s full of white conservative, rich dicks

[black magick hustla]

yea i heard that, calgary seems alright though

[black magick hustla]

also i bet my ass its not as bad as utah. utah's beer has lower alcohol percentage and mormons are a depravity of civilization

[Jimmie Higgins]

Personal debt is like the new draft.

[NoOneIsIllegal]

Doesn't "garnishing" refer to your wages? I don't think that anyone except the IRS can do that...
You would think. My fiances mom had her wages garnished (or her bank account froze, I forget which one) because of unpaid medical bills. I think they have to go to the employer (or bank, or whoever) to get permission. I don't know how it works, but it's fucked up.

[Os Cangaceiros]

I've been to Calgary before. It really does suck, LOL.

[Os Cangaceiros]

been to Edmonton, too, but I don't remember much of it, only my mother flying into a furious rage on the highway because of the other drivers.

[Ele'ill]

third country in a row where i will live. internationalism ftw workers have no country blahblahblahblah and i am 21?????

You're awesome.

[TC]

The whole reason why they use collection agencies to harass people rather than lawyers to sue them is because if you don't have any money you are 'judgment proof' - you can file bankrupcy to avoid paying them. They can't collect if you have no assets. Garnishment only occurs really if you have assets, and you don't declare bankrupcy for some reason, and you don't pay, and only after a lawsuit and a money judgment.

[praxis1966]

Doesn't "garnishing" refer to your wages? I don't think that anyone except the IRS can do that...

Of course they can sue, but like you said, you can't exactly get blood out of a stone.

Yeah, they can garnish your wages. But they have to take you to court first and win a judgment... Then, of course, the judge will give you X amount of time to pay the debt. Only then if you don't can they go to another judge in order to garnish your wages, because at that point not only are you in essence defaulting on a loan but you've now defied a court order as well. In other words, it basically takes two court orders.

Anyway, like I said, they'd have to haul Maldoror's ass into court in order to get the first order in the first order and good fucking luck serving him/her papers in Canada. Can't get a summary judgment (one in which the judge awards the plaintiff immediately what they're asking in the case of a failure to appear) against somebody unless you can prove that you've actually served them with a notice to appear.

[Chambered Word]

You're awesome.

+1

[Pavlov's House Party]

also i bet my ass its not as bad as utah. utah's beer has lower alcohol percentage and mormons are a depravity of civilization

regular commercial beers will be pretty much the same as what you get in the states; the canadian beer being better than american ones is pretty much a pseudo-nationalist myth: budweiser, labatt and molson are the exact same thing. also, everything in alberta is ridiculously expensive compared to the rest of canada (excluding quebec, fuck all these taxes) because albertans get oil-money handouts from the govt. you can expect to pay 50$+ for a twofour of beer out there.

[the last donut of the night]

yeah maldy, i think you should just move to nunavut, although its pretty cold ive heard everybodys mad nice there

[Tablo]

Can't get 40s in Utah, can you.

[Os Cangaceiros]

Utah actually has some pretty good beer (at least in Salt Lake City, where I had some good local beer from a microbrewery).

[MarxSchmarx]

It's a bit tricky - even if you are a Canadian citizen who never intends to return to America. What they can do is actually sue you in court (short of you declaring bankruptcy, as TC notes) at which point it becomes really suspect how much "immunity" you have in Canada. And of course this will make life pretty inconvenient if you ever move back to the US. If this was Cuba we were talking about you would basically be untouchable, but in Canada once a judgment is filed against you in America I believe the Canadian credit agencies are still able to use that information.