Amex debt in The US

It is not possible to recover the debt from Canada which you have made in US. You can find more discussions on it if you visit the link http://www.debtconsolidationcare.com/forums/about2596.html .

SC you mean a US debt may be difficult to collect if the consumer relocated in Canada.

I am no expert, but if the US debt collector gets a default judgment against you, you may be subject to collection actions upon your return to the US within that 10 year time frame. However that depends on how long that US judgment stays on your US credit report, the SOL, and the state laws you reside in. There are so many variables to that can come into play. Ultimately your US credit report will take a major hit due to nonpayment of the debt, but your Canadian report will most likely not be affected. I believe they differentiate as far as reporting is concerened.

I would definately seek legal counsel on this question to clarify it further. In the meantime maybe DebtCruncher or Nascar_D will be along to offer their advice.

The rules recently have changed and I read it here....they can get a judgement in the US and collect in canada due to some agreement.

International collections is becoming very common.

Oh no. My point exactly, I do not think the debt will dissapear if the OP relocates, it may come back to haunt them :shock:

Here is the post....

http://www.debtconsolidationcare.com/collection-agencies/canada-forcepayments.html

That is awesome, thanks :wink:

As far as I know, since the Governments of the two countries are working together on several areas, they can collect the debt in Canada. Again, if you apply for a new credit line in Canada, the creditor may check the US records. They may transfer the account to a CA in Canada, who will collect the debt on their behalf. Moreover, when you apply for citizenship in Canada, your credit history in US will be checked.

No, your US credit history is NOT checked when applying for citizenship. Or the other way around, Canadian coming to the US.
People crossing borders to live can request to have their credit reports pulled for getting credit....I know a lot of canadians living her in Minnesota have their canadian histories pulled when applying for a mortgage...but they have to request and pay for it..

Good to know. If they checked credit history upon applying for citizenship, their will be alot of unhappy folk :? Just doesn't seem smart to do, thanks for the clarification.

I'm sure the creditors would love it if they do!

I wanted to know if they can issue a citation at my old address although i dont live there and moved out of the country. Would that be legal?

"citation" ?

What i meant is a summon.

Ok. I am not to sure, they might if that is your last unknown address with them.

Does the summon have to be given to a person or is it usually mailed.

I think it can go either way depending on your state laws regarding a official summons.

Please read this thread which is pertains to unanswered summons when served.

Now as far as you being out of the country when you are served I do not know if there are different guidlines regarding that process. Others will be along to offer more help shortley.