Information campaign on the legal aspects of indebtedness and seizures in Québec
Trois-Rivières, June 2, 2010. – Me Denis Roy, Chairman of the Commission des services juridiques (CSJ), today launched the information campaign entitled It’s Time to Settle My Debts, which is designed to inform individuals about their rights and responsibilities in the event that indebtedness becomes a problem.
This initiative falls within the scope of the CSJ’s mission which includes the mandate to inform the public about its legal rights and obligations. This is the fourth checklist published by the CSJ. The preceding topics covered were the purchase of a used vehicle, de facto unions and eligibility for legal aid.
Simple legal advice to avoid the very worst
The legal aid network and its lawyers can play a key role for individuals whose indebtedness is or may become a serious problem. To this end, the CSJ is offering a free and easy to use checklist that, in a few points, summarizes the essential information on the subject. 'The tool we are offering provides readers with legal information and practical tips in order to help them better manage the negative, and often stressful, aspects of their situation,' explained Me Denis Roy. Making an appointment with a legal aid lawyer upon receipt of a formal demand, transferring your case to the Small Claims Court, where possible, and knowing how to react if a collection agent is contacting you on a regular basis are examples of simple steps that can make all the difference. Additional information is available on the CSJ’s website and conferences on the subject will be offered upon request.
Indebtedness: A daily reality
The recession does not seem to have slowed down consumers. In fact, Quebeckers are increasingly taking on risk in matters of personal finance, even through indebtedness remains a concern. According to a recent study carried out by the Certified General Accountants Association of Canada, indebtedness related to daily consumption is increasing while savings are decreasing. Inded, 56% of respondents stated that current expenses are the principal cause of their rising indebtedness.
Imprisoned for unpaid debts?
In Québec, in the 18th century and until 1849, an individual could be imprisoned for non-payment of debts. Today, the sentence served by individuals plagued with debts is more of a psychological nature. Stress intensifies as creditors lose patience and the fear of losing ones property increases, until, ultimately, a bailiff knocks at the door of the unfortunate individual who is no longer able to make ends meet. The individual will try to protect his property and get out of the situation without having to go before the courts. The CSJ’s checklist offers methods for avoiding these unfortunate situations.
About the Commission des services juridiques
The Commission des services juridiques is the agency charged with applying the Legal Aid Act in Québec. Legal aid may be granted to anyone who is financially eligible, in order to cover various legal services involving civil, family, administrative or criminal matters or matters relating to youth law.
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Source:
Marie-Noëlle Trottier,
Information Officer
514 873-3562