Anyone you owe money to can garnishee your wages. The real question to be asked is how they are able to garnish your wages. For Canada Revenue Agency, it is easy. They just issue a Third party demand and your employer is obligated to follow the instructions from CRA. It is a great world when you can issue the Third Party collection demand without bothering to go to court. All you have to do is pass a law that benefits only you. For the rest of your creditors to garnishee your wages, they must first sue you in court, obtain a judgement against you from the court and then obtain permission from the court to garnish your wages. You are notified at each stage of the process and are given the ability to attend court and convince the court that you do not owe the debt or that the court should refuse the judgment or refuse to give permission to garnish your wages.
If you do nothing, you will lose by default.
If you are contacted by a collection company who threatens to garnishee your wages, treat what they saying as just a threat. They are required to follow the same rules and procedures as everyone else. The original creditor (that hired the collection agent) could sue you themselves but everyone else must hire a lawyer or paralegal who is licensed by the Law Sociey of Upper Canada (L.S.U.C). If a collection agency threatens a lawsuit or a garnishee, simply ask them to make sure that they send you a copy of the legal papers which MUST show the court file number on the upper right corner of the first page. Without this number, it is just a bluff.
If you decide to file an Assignment in Bankruptcy or a Consumer Proposal. All lawsuits, garnishee orders and judgements are immediately stopped regardless of what stage the legal proceedings are at. If you are at the stage of having collection companies threaten to do all of these nasty things to you, perhaps, you must take action to stop everything and put your life back together.
It is important to think about your future housing needs as you get older. There are several different kinds of seniors’ housing so you can find out what types of home support are available in your neighbourhood. At the same time, consider your current home to see if there are things you can do to make it easier and safer, as you get older. If you have a disability, you might be eligible for government assistance to pay for home renovations. You should also find out what kind of services are available in your community such as home support—you may want to ask your family doctor and/or someone you trust for any advice or guidance regarding support services. Researching and understanding your options will help you make future decisions about your housing. There are several different types of seniors housing and access to subsidized units for low-income seniors. You will have the option between independent living, retirement homes and assisted living, nursing homes or long-term care.You should compare costs and services offered in each setting.
Decreasing independence is not something that anyone likes to think about, but needing help making legal and financial decisions can happen at any time and for a wide range of reasons. If you’re a senior citizen, you should begin planning ahead for your future. If you get ill, have an accident or even if you are just away for a period of time, having someone you trust who is ready and able to help you can save time and trouble.
In other words, plan ahead, appoint a power of attorney and sign a power of attorney document. This is a legal document in which you name one or more people to be your attorney (decision-maker) to manage your financial affairs.
This is an important plan because you need someone you can trust to look after your affairs if you can no longer look after them yourself.
Taking precautions to avoid scams and frauds is another way to protect your assets against financial abuse. Hustlers are constantly coming up with new scams to deceive elderly people. It is important to never respond to e-mail, phone or door-to-door offers from people or groups you do not know. Most often, if an offer seems too good to be true, one can assume it is. Protect your personal information–reputable organizations will not e-mail, write or call and ask you to confirm information about your bank account or financial affairs. Financial abuse is illegal and/or unauthorized use of your money or property, or pressure on you for use of your money or property.
Unfortunately and sadly, abusers are often people in positions of power in your life, such as a family member, caregiver or someone you live with. If you think you may be the victim of financial abuse, a fraud or a scam, do not feel ashamed and you are not at fault–many people are in the same situation and it is important you do not stay silent. Tell someone you trust about what is going on and how you are being treated and take precautions. If you do not feel you can trust anyone or do not feel comfortable talking to someone you know, you can report financial abuse and/or fraud to the police.