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Settle a bet re: credit cards

 
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friendoken



Joined: 19 Jan 2008

PostPosted: Sat Jun 27, 2009 1:50 am    Post subject: Settle a bet re: credit cards Reply with quote

Have a bet with a fellow canuck here in Laos. He says if you simply stop paying your credit card (Cdn.) and do not declare personal bankruptcy the Cdn. government can deny you a new passport. I say they cannot. He also says if you are abroad like we are and you do that, then return to Canada you will be arrested and have your passport confiscated as soon as you enter the country. I said no way. He claims rules have changed due to economic crisis. I think he's full of crap. He cited deadbeat dads having their passports confiscated as proof. I don't even believe that!

Does anyone know the answers? Help me get rip roaring drunk for free!

Please no flamers. This was nothing more than two guys drinking and hypothesyzing.
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VanIslander



Joined: 18 Aug 2003
Location: Geoje, Hadong, Tongyeong,... now in a small coastal island town outside Gyeongsangnamdo!

PostPosted: Sat Jun 27, 2009 2:57 am    Post subject: Re: Settle a bet re: credit cards Reply with quote

friendoken wrote:
He cited deadbeat dads having their passports confiscated as proof.

judges authorize all kinds of specific judgements against particular violators of terms of divorce and child support

but that is case by case and for those kinds of infringement of specific court-imposed monetary obligations

not paying your credit card is totally different, affects your credit rating but sweet *beep* all else
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Theme



Joined: 06 Jun 2009
Location: Cedar Rapids Iowa

PostPosted: Sat Jun 27, 2009 3:09 am    Post subject: Re: Settle a bet re: credit cards Reply with quote

VanIslander wrote:
friendoken wrote:
He cited deadbeat dads having their passports confiscated as proof.

judges authorize all kinds of specific judgements against particular violators of terms of divorce and child support

but that is case by case and for those kinds of infringement of specific court-imposed monetary obligations

not paying your credit card is totally different, affects your credit rating but sweet *beep* all else


Clearly. What they do in the case of unpaid child support and anything else are very different matters.

You can lose professional licenses , drivers licenses and just about anything for not paying support.

It's hard to say if this is a good approach. Who knows if there are too many "dead beat parents" ( believe me, woman get into this problem too, although not as often) and this a good system.

It may have gone too far, or it may be too harsh, in my opinion.
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schwa



Joined: 18 Jan 2003
Location: Yap

PostPosted: Sat Jun 27, 2009 4:03 am    Post subject: Reply with quote

You win the bet.

Check here for grounds for refusal or revocation of a cdn passport:
www.ppt.gc.ca/articles/20080213a.aspx?lang=eng
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poet13



Joined: 22 Jan 2006
Location: Just over there....throwing lemons.

PostPosted: Sat Jun 27, 2009 3:14 pm    Post subject: Reply with quote

I think about the only way that can become an arrestable offense is if you intentionally commit a fraud. Buying things and not paying for them is one thing, but if you use the card to get as much cash as you can, and then ditch the card, they can claim money fraud and press charges. As it goes, apparently making even a couple of payments shows that you at least tried to pay the debt, but no effort at all can be seen in another light.

Yup, had a friend who did that and got pinched for it.
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friendoken



Joined: 19 Jan 2008

PostPosted: Sat Jun 27, 2009 6:22 pm    Post subject: Reply with quote

Thank you for the responses, especially the link. Looks like I'm getting drunk on my buddy's tab. On the plus side for him, beer is actually going down in price in many places in Vientiane thanks to the money crunch. Whereas a large bottle recently cost 10,000 kip- 85 cents - it has plunged to 8000 kip. I figure I can put away 6 maybe 7 bottles, so it might cost him $5.00! I'll nag him into paying for dinner too, a top quality meal will set him back another $2.00.

Not bad you know, a night on the town for less than ten bucks. And, Beerlao is IMHO the best tasting beer on earth, and I've drank a lot of 'em.
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hellofaniceguy



Joined: 10 Jan 2003
Location: On your computer screen!

PostPosted: Sat Jun 27, 2009 6:52 pm    Post subject: Reply with quote

I knew a guy from the U.S. who was teaching in korea a few years back.
We kept in touch and told me what was going on.....
He stopped paying child support....the "child" was 26 years old! He was on the hook for back support payments!!! His passport was not renewed when he went to the embassy in seoul...it was flagged...he was deported to the U.S., arrested when he landed and extradited to the state wanting him!! How much money? 11 thousand in back payments.
He also got in more hot water for failing to pay his credit card bills....this issue came up when he was in court for the child support issues...the judge told him....no passport, get a job, pay back the child support AND recommended to the bankruptcy judge/court that judge, not allow his petition to go through for bankruptcy!
So yes and no....a judge can make your life miserable...and if it's fraud...getting credit cards and skipping out on payments....well....don't do the crime if you can't do the time...dig it!
Child support issues? I don't agree or disagree....two sides to every story...some parents make payments directly to the awarded parent who do not report it...and you get screwed.
Sometimes it is difficult to keep current for many reasons...but the courts don't care....no pay...you loose many things...driver's license, professional license, passport, etc. AND go to jail.
In the U.S....bad credit remains on your history for 7 years....then it's erased. Don't know about Canada. I'm sure it mirrors the U.S. though....and your passport is not denied for bad credit...UNLESS and court orders it so.
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Stones1962



Joined: 26 Nov 2008
Location: Europe/Asia

PostPosted: Sun Jun 28, 2009 5:22 am    Post subject: Reply with quote

Owing more than 5000$ in child support you will be denied a passport in the US....
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Theme



Joined: 06 Jun 2009
Location: Cedar Rapids Iowa

PostPosted: Sun Jun 28, 2009 5:19 pm    Post subject: Reply with quote

hellofaniceguy wrote:
He also got in more hot water for failing to pay his credit card bills....this issue came up when he was in court for the child support issues...the judge told him....no passport, get a job, pay back the child support AND recommended to the bankruptcy judge/court that judge, not allow his petition to go through for bankruptcy!
So yes and no....a judge can make your life miserable...and if it's fraud...getting credit cards and skipping out on payments....


I believe under most circumstances, not paying credit cards will not be treated as fraud.

They would be lying on the application and such. But I think the judge had the ass for this guy and because he left the country it looked like he was skipping out on the debt.

The judge may have determined that it was premeditated; that is he got all that credit and had no intention to pay.

Poet put it well:

poet13 wrote:
I think about the only way that can become an arrestable offense is if you intentionally commit a fraud. Buying things and not paying for them is one thing, but if you use the card to get as much cash as you can, and then ditch the card, they can claim money fraud and press charges. As it goes, apparently making even a couple of payments shows that you at least tried to pay the debt, but no effort at all can be seen in another light.

Yup, had a friend who did that and got pinched for it.
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crossmr



Joined: 22 Nov 2008
Location: Hwayangdong, Seoul

PostPosted: Sun Jun 28, 2009 9:05 pm    Post subject: Reply with quote

Canada doesn't have debtor's prison. As well bad things on your credit disappear after 7 years I believe. So if you were planning to be out of Canada for more than 7 years and didn't need your credit cards and wanted to be a jerk..
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