Hello,

I am from Toronto, Ontario. I am living under ODSP (disability) in my sister's house.

On March 2017, I rented a car from Dollar/Thrifty in which I did not purchase LDW insurance. The credit card I was using did not have car rental insurance either.

The next day I was involved in a fender bender with another car in a parking lot. It was partially my fault and partially the other cars fault. There was damages on the back bumper of the car rental and no damages on the other car. I took down the info regarding the other car and driver and did a collision report at a nearby collision reporting center (operated by the police). The police estimated the damage repair cost to be around $1000.

I provided this collision report to Dollar/Thrifty when returning the car. They told me the damage repair cost may be a lot higher than estimated on the report. They tried to charge $600 as the deductible for the damage cost on my credit card which declined (due to insufficient credit). I refused to pay and they threatened to send the debt to a collection agency.

Since then, I have been receiving threatening letters from a collection agency to sue me in court if I refuse to pay. I was waiting for the full details regarding the repair costs to rental car, which I have not received to this date. When I requested for these information from the car rental, they simply told me "your file is no longer in our office" and to contact the collection agency.

I believe the repair costs were paid by the other car's insurance policy. Do I have a chance in winning this deductible debt in court if the repair costs were in fact paid by the other car's insurance?

Hello,

I am from Toronto, Canada living under ODSP (disability) in my sister's house.

I owe large amount of money to a collection agency. I do not care about my credit score. What can possibly happen if I ignore their demands to pay the money, and they take me to court and win?

First, they will attach anything you own or ever will. Obviously this is a debt you incurred. You feel there is no liability on your behalf? Own anything of value? Have any checking or savings account? Will you always be disabled? If not, and you obtain work, they can attach your wages.

What you "believe" means nothing... you have to PROVE It. They also aren't obligated to get it fixed where YOU want or under your terms. YOU failed to pay, now you have to deal with the collection agency,. who most likely will Take you to court. And win since this is a valid debt.

Thanks for the answer. I'm being advised from a different source they will almost not take me to court since it is a small debt and since I've provided them proof of my disability income when refusing to pay for the debt in e-mail.

I know so many people who after refusing to pay or ignoring a creditor, find out their bank accounts are frozen. Hope your disability benefits are not direct deposit.

I can assure you that an unpaid debt, particularly if recorded in a court document, will follow you forever. They don't have to take you to court to file a lien against anything you own or will own.

At the very least you should officially dispute the debt in writing and include the things you have outlined here in that dispute. That would be the proper step to take to sort this out where it doesn't bite you in the butt in the future.

You may want to rent a car in the future, or get another place to stay... you never know, but you do know a judgement against you will stay forever.