Yes, you can stop paying your debts and continue to ignore your creditors but this will only lead them to garnish your wages to collect the money you owe. Wage garnishment happens when a court judgement is filed; legally ordering your employer to withhold a portion of your income to be sent to the organization or person you owe money to directly.
According to the Ontario Wages Act, creditors can take up to 20% of your salary in wage garnishment. You will only know this is happening once it started, therefore there is no way of knowing it will happen beforehand. But there is a way to stop this and get rid of your debts.
At National Debt Relief Services, we value your time; we will help you create an efficient debt consolidation program that can eliminate up to 75% of your debts including Credit Cards, Personal Loans, Car Loans, Taxes, CERB, HST, 407, Household Bills, Payday Loans and Student Loan. Get a free consultation and learn how you can take advantage of this government-approved program by clicking the button below.
Who Can Garnish Wages in Ontario?
- CRA (Canada Revenue Agency)
- Credit Card Companies
- Debt Collection Agencies
- Payday Loan Lenders
Wage Garnishment Process in Ontario
For a creditor to garnish your wages, they will need to file a “Statement of Claim” to be able to obtain a court judgement and a wage garnishment order.
Once the court judgement has been issued, you as creditor will have 21 days to respond to dispute the debt being claimed in the Statement of Claim.
If the court do not receive a response from you within this period, it will assume that you have agreed to the claim your creditor has filed.
CRA Wage Garnishment
For CRA (Canada Revenue Agency) the process is different, they will not need to file a Statement of Claim or obtain a court judgement to be able to garnish your wages.
CRA will directly issue a pay notice to an employer instead of letting the debtor know about it.
Once the employer receives the notice to pay, the debtor’s salary will be garnished by remitting all amounts indicated in the letter. The collection officer’s information will be provided in the letter in case your employer needs to verify the information.
Stop Wage Garnishment with National Debt Relief Services
The best way to stop wage garnishment is to consolidate your debt with our debt relief program. If you are unfamiliar with this government-approved program, we can provide you more information.
Get a free consultation via zoom or phone call to understand how this debt consolidation plan works and what benefits can you take advantage of aside from stopping wage garnishment.
If you have over $10,000 worth of debt and you live in Ontario, you qualify for a debt consolidation program which will help reduce your debt by up to 75%. That means you only need to pay a portion of what you owe and the rest is forgiven.
Once your debt consolidation starts, it will:
- Stop lawsuits
- Stop wage garnishments
- Stop collection calls
- Stop interest charges
- Secure your assets
Why Choose National Debt Relief Services
We have helped thousands of Ontarians get rid of debt and have a fresh start. Our team of super-friendly debt specialists will help you create a personalized debt savings plan.
More reason why we are the most trusted debt relief provider in Ontario:
- No upfront fees.
- Free consultation.
- We donate $1 to Sick Kids for every successful consultation.
- We have hundreds of 5-stars google reviews.
- Create a personalized debt consolidation program.
Get started with your debt-free journey by clicking the button below.
“I was contacted by Fanoula and she helped me figure everything out and made the process very simple. I would highly recommend National Debt Relief Canada.” – Britt Lowe
“Debt relief saved me I was sinking fast thanks to debt relief I can breath again. Costumer service has been fantastic a y problem’s that I have had along the way have been dealt with thank you Allicia MacDonald. I would recommend this service to anyone that is struggling in this new day and age.” – Don Gilbey
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