Problems with Debt - Revision history

Drew Jackson at 22:05, 20 April 2017

2017-04-20T22:05:03Z

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	{{Law-Related ESL Badge		{{Law-Related ESL Badge
	\|lessonname= Consumer Law Lesson Module}}~~{{Consumer Law Wikibook TOC}}~~		\|lessonname= Consumer Law Lesson Module}}

	Sometimes, even when we try our best, we are not able to pay all our bills. This may be due to a variety of reasons. People can fall ill, or lose a job, or have unexpected expenses, like a rent increase. This section provides information on where to get help and how to communicate with the people you owe money to.		Sometimes, even when we try our best, we are not able to pay all our bills. This may be due to a variety of reasons. People can fall ill, or lose a job, or have unexpected expenses, like a rent increase. This section provides information on where to get help and how to communicate with the people you owe money to.

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	{{REVIEWED \| reviewer = [[People's Law School]], 2013}}		{{REVIEWED \| reviewer = [[People's Law School]], 2013}}

	~~{{Consumer Law Wikibook Navbox}}~~

	{{Creative Commons for PLS		{{Creative Commons for PLS
	\|title = ~~Consumer Law Wikibook~~		\|title = Problems with Debt
	\|author =		\|author =
	}}		}}

Nate Russell at 17:40, 29 April 2015

2015-04-29T17:40:12Z

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	~~{{Consumer Law Wikibook TOC}}~~
	{{Law-Related ESL Badge		{{Law-Related ESL Badge
	\|lessonname= Consumer Law Lesson Module}}		\|lessonname= Consumer Law Lesson Module}}{{Consumer Law Wikibook TOC}}

	Sometimes, even when we try our best, we are not able to pay all our bills. This may be due to a variety of reasons. People can fall ill, or lose a job, or have unexpected expenses, like a rent increase. This section provides information on where to get help and how to communicate with the people you owe money to.		Sometimes, even when we try our best, we are not able to pay all our bills. This may be due to a variety of reasons. People can fall ill, or lose a job, or have unexpected expenses, like a rent increase. This section provides information on where to get help and how to communicate with the people you owe money to.

Nate Russell: /* Debt collectors */

2014-04-02T06:46:54Z

Debt collectors

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	{{Video		{{Video
	\|video = {{#ev:youtube\|2jlprM4eGRk\|350\|right}}		\|video = {{#ev:youtube\|2jlprM4eGRk\|350\|right\|You Owe Money}}
	}}		}}

	{{Video		{{Video
	\|video = {{#ev:youtube\|ivsBIwncoiY\|350\|right}}		\|video = {{#ev:youtube\|ivsBIwncoiY\|350\|right\|Ask for Help}}
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Nate Russell: /* Debt collectors */

2014-04-02T04:59:26Z

Debt collectors

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	{{REVIEWED \| reviewer = [[People's Law School]], 2013}}		{{REVIEWED \| reviewer = [[People's Law School]], 2013}}

Nate Russell: /* Debt collectors */

2014-04-02T04:50:15Z

Debt collectors

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	For more information about debt collectors, contact Consumer Protection BC at [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]. Find more helpful information and links in the [[Sources of Help for Consumers]] section.		For more information about debt collectors, contact Consumer Protection BC at [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]. Find more helpful information and links in the [[Sources of Help for Consumers]] section.

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Nate Russell: /* Debt collectors */

2014-04-02T04:40:25Z

Debt collectors

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	For more information about debt collectors, contact Consumer Protection BC at [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]. Find more helpful information and links in the [[Sources of Help for Consumers]] section.		For more information about debt collectors, contact Consumer Protection BC at [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]. Find more helpful information and links in the [[Sources of Help for Consumers]] section.

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Nate Russell: /* Debt collectors */

2014-04-02T04:33:20Z

Debt collectors

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	For more information about debt collectors, contact Consumer Protection BC at [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]. Find more helpful information and links in the [[Sources of Help for Consumers]] section.		For more information about debt collectors, contact Consumer Protection BC at [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]. Find more helpful information and links in the [[Sources of Help for Consumers]] section.

	{{#ev:youtube\|2jlprM4eGRk\|350\|left}}		{{Video
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			}}

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Drew Jackson: /* How do I contact my creditors and what do I say? */

2014-03-24T23:33:37Z

How do I contact my creditors and what do I say?

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	==How do I <span class="noglossary">contact</span> my creditors and what do I say?==		==How do I <span class="noglossary">contact</span> my creditors and what do I say?==
	~~[[File:ConsumerLawGuidePage11B.jpg \| right \| frame \| link=\| <span style="font-size:60%;">Copyright www.shutterstock.com</span>]]~~

	===Step 1: Write a short letter to each of your creditors===		===Step 1: Write a short letter to each of your creditors===
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	=== Step 3: Attach your budget===		=== Step 3: Attach your budget===
			[[File:ConsumerLawGuidePage11B.jpg \| right \| frame \| link=\| <span style="font-size:60%;">Copyright www.shutterstock.com</span>]]

	Your budget shows the people you owe money to (creditors) what you can afford to pay towards your debts. If a creditor thinks the amount you spend on something is unreasonable, they may ask you to explain why you spend this amount.		Your budget shows the people you owe money to (creditors) what you can afford to pay towards your debts. If a creditor thinks the amount you spend on something is unreasonable, they may ask you to explain why you spend this amount.

Drew Jackson at 23:33, 24 March 2014

2014-03-24T23:33:13Z

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	==What do I put in my budget?==		==What do I put in my budget?==
	~~[[File:ConsumerLawGuidePage10A.jpg\| right \| frame \| link=\| <span style="font-size:60%;">Copyright www.shutterstock.com</span>]]~~

	The next step is to work out your budget. Your budget lists how much money is coming into your household and how much you need to spend.		The next step is to work out your budget. Your budget lists how much money is coming into your household and how much you need to spend.
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	* GST refunds.		* GST refunds.

			[[File:ConsumerLawGuidePage10A.jpg\| right \| frame \| link=\| <span style="font-size:60%;">Copyright www.shutterstock.com</span>]]
	'''Expenses:''' The next thing you need to do is list all your expenses. Make sure that the amounts are realistic. Figure out all of your expenses on a weekly, monthly, or seasonal basis. Make sure you remember to include personal expenses, such as loans, restaurant meals or gym memberships, and household expenses, such as rent, groceries, cable, and utilities. When you make a list of your expenses, think about whether you may be able to make any cutbacks. If you can make cutbacks, this <span class="noglossary">will</span> make more money available for you to pay back your debts.		'''Expenses:''' The next thing you need to do is list all your expenses. Make sure that the amounts are realistic. Figure out all of your expenses on a weekly, monthly, or seasonal basis. Make sure you remember to include personal expenses, such as loans, restaurant meals or gym memberships, and household expenses, such as rent, groceries, cable, and utilities. When you make a list of your expenses, think about whether you may be able to make any cutbacks. If you can make cutbacks, this <span class="noglossary">will</span> make more money available for you to pay back your debts.

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	==What can a credit counsellor do to help me?==		==What can a credit counsellor do to help me?==
	~~[[File:ConsumerLawGuidePage11B.jpg \| right \| frame \| link=\| <span style="font-size:60%;">Copyright www.shutterstock.com</span>]]~~
	You may wish to <span class="noglossary">contact</span> a credit counsellor for help in developing your plan to pay off the debts. You may also wish to write a letter to your creditors that explains what you have decided.		You may wish to <span class="noglossary">contact</span> a credit counsellor for help in developing your plan to pay off the debts. You may also wish to write a letter to your creditors that explains what you have decided.

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	==How do I <span class="noglossary">contact</span> my creditors and what do I say?==		==How do I <span class="noglossary">contact</span> my creditors and what do I say?==
			[[File:ConsumerLawGuidePage11B.jpg \| right \| frame \| link=\| <span style="font-size:60%;">Copyright www.shutterstock.com</span>]]

	===Step 1: Write a short letter to each of your creditors===		===Step 1: Write a short letter to each of your creditors===
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	If you have problems that are preventing you from paying your debt, such as health issues or job loss, you should provide proof, such as:		If you have problems that are preventing you from paying your debt, such as health issues or job loss, you should provide proof, such as:

	* A letter from your doctor if you have health problems that affect your income.		* A letter from your doctor if you have health problems that affect your income.
	* Documents that show changes in your job. For example, you may have had your work hours cut, or you may have lost your job, or your Employment Insurance benefits have ended.		* Documents that show changes in your job. For example, you may have had your work hours cut, or you may have lost your job, or your Employment Insurance benefits have ended.
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	=== Step 3: Attach your budget===		=== Step 3: Attach your budget===
	~~[[File:ConsumerLawGuidePage10B.jpg \| right \| frame \| link=\| <span style="font-size:60%;">Copyright www.shutterstock.com</span>]]~~
	Your budget shows the people you owe money to (creditors) what you can afford to pay towards your debts. If a creditor thinks the amount you spend on something is unreasonable, they may ask you to explain why you spend this amount.		Your budget shows the people you owe money to (creditors) what you can afford to pay towards your debts. If a creditor thinks the amount you spend on something is unreasonable, they may ask you to explain why you spend this amount.

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	=== Step 4: Keep notes===		=== Step 4: Keep notes===

	If you speak with any of your creditors about your situation, write down their name, number, the time of call, and what you discussed. If the person you were talking to suggests a payment plan, ask her or him to send it to you in writing.		If you speak with any of your creditors about your situation, write down their name, number, the time of call, and what you discussed. If the person you were talking to suggests a payment plan, ask her or him to send it to you in writing.

	==Debt collectors==		==Debt collectors==

	Sometimes the person you owe money to has turned the debt over to a debt collection agency. There are laws that protect debtors from what a debt collector can do. For example, there are strict limits on contacting your family or your employer, and you have a right to tell a collector to stop phoning you altogether.		Sometimes the person you owe money to has turned the debt over to a debt collection agency. There are laws that protect debtors from what a debt collector can do. For example, there are strict limits on contacting your family or your employer, and you have a right to tell a collector to stop phoning you altogether.

	For more information about debt collectors, contact Consumer Protection BC at [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]. Find more helpful information and links in the [[Sources of Help for Consumers]] section.		For more information about debt collectors, contact Consumer Protection BC at [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]. Find more helpful information and links in the [[Sources of Help for Consumers]] section.

	{{#ev:youtube\|2jlprM4eGRk\|~~500~~\|left~~\|You Owe Money~~}}		{{#ev:youtube\|2jlprM4eGRk\|350\|left}}

	{{#ev:youtube\|ivsBIwncoiY\|~~500~~\|left~~\|Ask For Help!~~}}		{{#ev:youtube\|ivsBIwncoiY\|350\|left}}

	{{REVIEWED \| reviewer = [[People's Law School]], 2013}}		{{REVIEWED \| reviewer = [[People's Law School]], 2013}}

Drew Jackson at 01:34, 22 March 2014

2014-03-22T01:34:30Z

← Older revision		Revision as of 01:34, 22 March 2014
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	{{Consumer Law Wikibook TOC}}		{{Consumer Law Wikibook TOC}}
			{{Law-Related ESL Badge
			\|lessonname= Consumer Law Lesson Module}}
	Sometimes, even when we try our best, we are not able to pay all our bills. This may be due to a variety of reasons. People can fall ill, or lose a job, or have unexpected expenses, like a rent increase. This section provides information on where to get help and how to communicate with the people you owe money to.		Sometimes, even when we try our best, we are not able to pay all our bills. This may be due to a variety of reasons. People can fall ill, or lose a job, or have unexpected expenses, like a rent increase. This section provides information on where to get help and how to communicate with the people you owe money to.