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To find out more in what to complete if you don??™t Pay tipsheet and seek legal advice if you are sued, see the What Creditors Can Do.

Seizing home

Creditors can take action to seize your home via a civil enforcement agency with no need for the judgment if:

  • You have bought items through a right time product product sales contract and you’re behind or haven’t made any re payments
  • the creditor is guaranteed with a chattel home loan along with re re re payment arrears
  • your debt is lease owed up to a landlord

Stopping a seizure of home

Speak to your creditor instantly. That you owe, the creditor may leave the seized property with you if you can start paying some of the money.


Garnishment is really a appropriate procedure that the creditor usually takes following the court prizes a judgement against you. The creditor asks the court to use the cash (garnishee) you borrowed from from range sources like

  • your income cheque
  • your bank account at a standard bank such as a bank, treasury branch, trust business or credit union
  • records receivable (money because of you by other people)

Bank-account garnishment

A creditor who garnishees your money is permitted to simply take the whole amount of cash that you borrowed from.

Objection to a garnishment

To prevent the garnishment procedure or even to make modifications towards the garnishment because of the creditor, you need to have a court purchase. You will probably require legal counsel to achieve this.

If your creditor sues you

A creditor has got the choice of suing you within the Civil Division of Provincial Court (previously referred to as tiny claims court) or perhaps the Court of Queen??™s Bench.

You will be served with a civil claim if you are sued. Don??™t disregard the claim.

If you’re offered by having a civil claim:

  • speak to your creditor
  • spend the claim
  • file a dispute note

You have 20 calendar days from the time you are served to file the dispute note if you receive a civil claim in Alberta. In the event that claim is offered you will have one month to respond on you outside Alberta.

The court will award the creditor with a judgement against you if you do not file a valid dispute note within the required time or appear in court on the day of the hearing.

As soon as a judgement is awarded the creditor may take steps that are several have the cash which you owe:

  1. Enroll a writ of enforcement with all the private Property Registry.
  2. Garnishee your wages, bank reports or records receivable.
  3. Seize your premises.

Owing cash to a bank

When you have an overdue debt due to a bank, the lender may use its right of set-off to recoup the amount of money. The best of set-off permits a bank to withdraw funds from your records to cover your overdue financial obligation. The financial institution need not offer you notice or pose a question to your authorization before you take this step. The financial institution need not ask the authorization for the court.

Banking institutions could use their right of set-off to gather overdue repayments on bank cards, loans, overdrafts or credit lines. A bank may withdraw cash it to your debt that you have on deposit in any of its branches and apply. The lender need not keep hardly any money in your bank account.

After your judgement is compensated

As soon as a judgement has been paid by you in complete, the judgement ought to be released in the Court of Queen??™s Bench as well as the non-public Property Registry. Always check to ensure this is accomplished. Its also wise to allow the credit bureau realize that you’ve got compensated your debt. They’re going to enter this given information about your personal credit record.

To learn more, begin to see the What Creditors may do in the event that you Don??™t Pay tipsheet.




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