Hi! I have not been living in Canada for 3 years but recently I received a call from a collection agency that I owe the bank 40K in 2006. Can they go after me? Can they do any legal actions? What sort of legal action? Stupid and terrified I have sent them my pay slip and note to pay $5K but I don't really have the money. Someone can answer my question. Thanks Rainbow

Where are you living now? What do you mean when you say you sent them a note to pay $5K? Did you sign a promissory note, or did you just send an informal note?

If they have a judgment they may be able to enforce it.

Hi! I did send them a promisory note. Coz I was so terrified and they told me to send them a letter. Not only that they requested payslip too. Rainbow

Actually - it was a letter but I did not put my signature on it. I send it to them by email. Here is the problem too because I requested a letter from them regarding my debt.