I live in BC. My recently deceased husband’s oldest son and his wife who live in Ontario, have owed us lots of money and

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Customer: I live in BC. My recently deceased husband’s oldest son and his wife who live in Ontario, have owed us lots of money and refused to pay it most of the time, about12 years $20000. I have all the statements. Of course this was a trust issue and no one really had money - we just had credit room. No contract.
JA: Have you talked to a lawyer about this?
Customer: I spoke with a lawyer in BC and he encouraged me, though he is BC lawyer.
JA: What steps have you taken so far?
Customer: I have reviewed the statements and they are all in the Dropbox of our computer. Also if I contacted Cibc they might b able to end me info as to whether the payments were made from Ontario or BC. At a certain point my husband had the statement recipient routed again to us as payments were missed and our credit rating suffered.
JA: Anything else you want the Lawyer to know before I connect you?
Customer: I am 73’
Answered by Ulysses101 in 30 mins 1 year ago
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Ulysses101
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Ulysses101, Expert

Hello, thank you for the question.

When did you last have communication with them about the debt?

Customer
When my husband died in September and a coupleof emails since. Now they do not respond. I havepleadedbut been polite
Customer
Without a contract with this stepson, is this possible to win I.n a court? Does statute of limitations apply?
Customer
If so I will speak on thephone
Customer
What is left on the loan isabout$12000. My husband was reluctantly paying, but with lots of interest.
Customer
I live In BC. They live inOntario.
Customer
I just want to know if you advise to pursue this. You have the basics.
Customer
Oh. I was texting on my iPad to your site.
Have you read it?
Customer
If not I will repeat.
Customer
I was reading your very lengthy terms of service.��
Customer
Difficulty communicating here.
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Ulysses101, Expert

I'm here. Good morning.

So it's in the past few months that you have communicated with them about this debt? Did they acknowledge that they owed it?

Customer
but have not figured out the exact amount. I would be happy if they took over the paying if the 12000 though a lot more than that with interest. I have emails etc compllaining that they can't afford to pay back, not that they don't owe
Customer
They both have jobs tho
Customer
This fall I contacted Cisco and they have stopped ALL of the interest payments.
Customer
As of nov.
Customer
Payments still have to be regular
Customer
Sorry CIBC, not Cisco
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Ulysses101, Expert

If you have proof of what you gave them, and their acknowledgement that this is a debt owed to you, and they acknowledged the debt or made a payment in recent months, then you can take it to Small Claims Court.

It should be done in the jurisdiction where they live. That will make enforcing it a lot easier. You'll need a paralegal or someone to do it for you, but for that amount of debt I think it's worth it.

You can find lawyers and paralegals on the website of the Law Society of Ontario at its lawyer referral service.

Is there more to discuss about this topic?

Customer
Thank you. Only thing is we have conversations in recent months and no denials at all. Just no payments for along time. Not for lack of asking. One more question
If I wrote out the paperwork can a relative in Ontario be my helper?
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Ulysses101, Expert

Yes, but they can't be your lawyer in court without the court's permission.

Customer
Thank you so much. I have lots of pouring through the files to do first.
I will follow the advice you gave me.
Customer
Customer attachment 1/5/2021 2:14:20 AM
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Ulysses101, Expert

I'm glad that I could help!

Thank you for the question and thank you for using JustAnswer.

Good luck and stay safe.

Ulysses

Customer
Hsppy with everything except your very long terms of service. From USA.
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Ulysses101, Expert

I didn't write the TS, sorry. I'm not a site employee. I'm a lawyer working in Canada from home in my spare time.

Customer
I know. You should read it sometime though. Whew.
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Ulysses101, Expert

I have. It's really something.

Then again, the site isn't a law firm. It's here to make money, and that's it. I just like helping people and earning a few dollars in my spare time.

Customer
Do you live in Ontario?
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Ulysses101, Expert

I do.

Customer
Well I have you on text now or should I go through just answer.
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Ulysses101, Expert

We're communicating through the site. Whatever number you have there, it's to San Francisco.

Customer
Ahha. Well I need some time to research. So I will keep your name.
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Ulysses101, Expert

I'll be here when you come back. Start a thread with Dear Ulysses and it will be left for my attention.

Customer
I will.
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Ulysses101, Expert

I'm off to bed. Good night!

Thanks for the question. I'm closing the thread in the morning, no need to reply unless there's more to discus on the topic. In fact if you do reply then I have to write back too or else the thread stays on my Open list. I always get the last word.

Customer
I would ask for you again. Goodnight! Only 7 pm here - must remember.
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Ulysses101, Expert

I have to get the last word.

Customer
Customer attachment 1/5/2021 3:03:00 AM
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Ulysses101, Expert

Nice pic! But I still have to get the last word.

Customer
Picky picky
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Ulysses101, Expert

Last word.

Customer
55357;�
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Ulysses101, Expert

Word.

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