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Suppose you loaned someone an amount of money. They promised to pay the debt within three months. But they did not pay the debt. You want your money. What can you do? This section of the booklet looks at what you can do to try to collect on a debt.
''I am writing about a loan I made you of'' (insert amount) ''on'' (insert date of loan) ''for'' (insert purpose of loan). ''Our agreement was that you would pay this loan in full by'' (insert date of repayment). ''To date, you have not made any payments. It has now been'' (insert number of days) ''since the loan was due.The full amount of'' (insert amount) ''is now due.If I do not receive payment in full by'' (give a date), ''I will take legal action to recover the amount of the loan, as well as interest, filing fees, and any other costs. If you have any questions, please feel free to contact me at'' (your phone number).
You can write a demand letter yourself. Or or you can ask a lawyer to write it for you. A demand letter, sent on thelawyer’s letterhead, is often very effective. If a demand letter does not work, you may need to go to court.
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To collect more than $25,000, you have to go to BC’s Supreme Court. This is much more complicated and expensive than Small Claims Court.
To find out how to make a claim in Supreme Court, go to www.clicklawbc.ca, and type in “Supreme Court” "Supreme Court" in the search box. If you are in the Lower Mainland, you may wish to visit the Vancouver Justice Access Centre. At the Centre, staff can give you information about BC’s Supreme Court. The Justice Access Center is located at #290-800 Hornby Street, Vancouver, BC V6Z2C5. The operating hours are Monday to Friday from 8:30 a.m. to 4:00 p.m.
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