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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.
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.
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.
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:
To know more what you can benefit from our Ontario Debt Relief Program, simply try our Debt Consolidation Calculator below and one of our debt specialists will get in touch with you and provide you the best debt relief option that fits your situation.
No contact details required to find out if you qualify
We will help you reduce as much as 75% of your debts and consolidate it into a single affordable monthly payment. Your creditors will stop harassing you and all interest will freeze if you get into our Ontario Government Debt Relief Program.
Many Ontarians are already benefiting from our Debt Relief Program, YOU should too!
Find out how much you can write off portion of your debts by getting your Free Savings Estimate below. A debt specialist from National Debt Relief Services in Ontario will discuss all options and provide you tailor-fitted Debt Relief Program.
SEE IF YOU QUALIFY TO:
No contact details required to find out if you qualify
A Debt Consolidation is a negotiated debt settlement offer made between you and your creditors with the help of a Debt Relief Agency in Ontario. Some key benefits of Debt Consolidation are interest-free program, no upfront fee required, combined monthly payment into one affordable amount, no lawsuits, and many more.
Yes, your assets are safe from creditors. A licensed debt relief agency in Ontario will help you come up with an offer to your creditors that will make sure your assets will be out of the paper.
No, in fact, this is one of the great advantages of a Debt Consolidation Program. All wage garnishment will stop from the day you filed the proposal.
The effect on your credit score is not going to be severe. Your credit score will most probably go to R7 Rating and will remain in your credit report for another 3 years after you completed the program. This means that it will not be permanent and you will still be able to rebuild your credit score.
This varies depending on the proposal you will be discussing with the help of a certified debt relief agency. It is also worth noting that debt consolidation cannot exceed more than 5 years.
If a debt is shared, you need to file a joint debt consolidation offer to your creditors. However, in most cases, in which the debts are individually incurred will have no impact on your spouse.
After three missed payments, your debt arrangement with creditors will be broken and you will end up getting chased again for the original debt amount plus interest.
A debt consolidation offer can be paid off earlier if you can. In this way, you receive your “Certificate of Completion” sooner and you can immediately start rebuilding your credit score.
National Debt Relief Services Ontariois a certified Canadian Debt Relief Agency that offers FREE CONSULTATION to your debt consolidation needs. We value the trust given to us by our clients by making sure your personal information is confidential and private. Our personalized plans are designed to tailor fit your financial capacity. Our specialists will get in touch with you by simply answering a few questions thru the link provided below.
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