what should i do to collect the loan

[cnjs2003]

hi everyone
i m new to canada . i lent 800 to my coworker . cause she doesnt have money to pay the rents . and she was pregnant . she promised me to pay me back the next pay day . but she dident
Now her baby almost 3 months old . she is on parental EI now . and she doent want answer my phone.
Here is my question :
I dont have any IOU from her , But i have witness and a Messenger to prove that she owe me 800 . can i call the cops or sue her to collect my money .
cause i lost my job last month . i m very short of money now .

[spf1971]

Calling the cops won't help because this is a civil issue. You can take her to small claims court, with a witness and a message where she states she owes money you would probably have a good change of winning.

[AmberMoon]

small claims court is about your only recourse. Keep all conversations documented and make sure you have your witness with you or at least a signed sworn statement

[DGTD]

hi everyone
i m new to canada . i lent 800 to my coworker . cause she doesnt have money to pay the rents . and she was pregnant . she promised me to pay me back the next pay day . but she dident
Now her baby almost 3 months old . she is on parental EI now . and she doent want answer my phone.
Here is my question :
I dont have any IOU from her , But i have witness and a Messenger to prove that she owe me 800 . can i call the cops or sue her to collect my money .
cause i lost my job last month . i m very short of money now .

steal it back.... problem solved

[Nikita]

small claims court is about your only recourse. Keep all conversations documented and make sure you have your witness with you or at least a signed sworn statement

A sworn statement won't be accepted as evidence in court...after all, you can't cross examine a written statement... OP, you need a live witness if you end up in trial.

[AzN_RiverdaleCI]

go on judge judy or judge brown or something.

[Bskll]

hi everyone
i m new to canada . i lent 800 to my coworker . cause she doesnt have money to pay the rents . and she was pregnant . she promised me to pay me back the next pay day . but she dident
Now her baby almost 3 months old . she is on parental EI now . and she doent want answer my phone.
Here is my question :
I dont have any IOU from her , But i have witness and a Messenger to prove that she owe me 800 . can i call the cops or sue her to collect my money .
cause i lost my job last month . i m very short of money now .

cops don't handle things like this, only debt collection agencies do.

[HBP]

cops don't handle things like this, only debt collection agencies do.

Huh?

[Kasakato]

Huh?

The police do not enforce civil matters.

[HBP]

The police do not enforce civil matters.

Whereas a debt collection agency will go after her?

[AmberMoon]

A sworn statement won't be accepted as evidence in court...after all, you can't cross examine a written statement... OP, you need a live witness if you end up in trial.

Doh thought a sworn statement in small claims court ( No jury ) was acceptable. But never been to small claims court so im not a creditable witness

[Hunter316]

the police won't help since you did willingly lend the money to begin with and even though she did not repay on time it is not a criminal issue. Small claims court would be your best option but even if you win judgement against her it might not be possible to collect since she is not working and may not have the ability to pay.

[goJays]

litigation is NOT a smart idea. just call it a loss if u really cant collect. just cause u win the case, doesn't mean u will be able to collect.

[pupazzo]

Man up and bust some heads lol

[Nikita]

Doh thought a sworn statement in small claims court ( No jury ) was acceptable. But never been to small claims court so im not a creditable witness

LOL...glad to hear you've never had that unpleasant experience AmberMoon, but I have a feeling you'd make a credible witness if it ever came to that anyway...

the police won't help since you did willingly lend the money to begin with and even though she did not repay on time it is not a criminal issue. Small claims court would be your best option but even if you win judgement against her it might not be possible to collect since she is not working and may not have the ability to pay.

But a judgement is good for 20 years, so if she ever does have money or becomes employed, or has any assets....it's collectible. A lot of work, but I guess it depends on how important it is. To some people it's not about the amount of money but the principle. And that's fine too.