Question regarding leaving the country.

[HONEST2APOINT]

I have a considerable debt load. I have never EVER missed a payment. My mother has fallen ill (lives in Canada, great healthcare) and now I am off to take care of her.

This move entails no longer keeping my employment or paying my bills. My credit really is perfect yet not for long. Does ANYONE know what is going to happen to me when I just up and leave for good? I am NOT a scammer, I am an honest person looking for help.

TIA.

If this question is ever answered, does anyone know if I can call the creditors and ask them to freeze the interest rate permanently and I continue to pay the debt off in full and never use the cards again?

[Anj]

First - why does taking care of an ill parent dictate that you can't hold down a job? I have taken care of an extremely ill parent for 2 years now, 3 kids, 1 annoying husband and a 50+ hour a week demanding job.

Second - this was a quick google search... but should answer your question without a doubt.
"Some countries, such as Germany and Canada, have reciprocal agreements when it comes to tracing debtors and debt collection practices."
What that says to me is... the creditors will get you here or Canada

[HONEST2APOINT]

.

First - why does taking care of an ill parent dictate that you can't hold down a job? I have taken care of an extremely ill parent for 2 years now, 3 kids, 1 annoying husband and a 50+ hour a week demanding job.

Second - this was a quick google search... but should answer your question without a doubt.
"Some countries, such as Germany and Canada, have reciprocal agreements when it comes to tracing debtors and debt collection practices."
What that says to me is... the creditors will get you here or Canada

First, I have searched, researched and searched again for an answer to this question using google. My mother lives in Canada, I am not a Canadian nor a landed immigrant. My mother was diagnosed with a terminal illness several weeks ago and I have contemplated my options since then.

The healthcare is free for my mother (born in England, now a Canadian) so if I leave, I am leaving EVERYTHING behind.

While in Canada, I will not need to work and will have everything I need taken care of. I feel absolutely helpless at this point. I feel guilty, sad, frustrated, dishonest yet I know this is what needs to be done. I cannot bring myself to file (YET).

[Anj]

K - first off, a parent's illness will humble you to no end. It's is your MOTHER and losing a parent is a loss that can't be truly felt until you live it.
I know - I'm living it - and sucks... but you've got to understand that just dissmissing your life to care for your mother will affect you in the long run. I am all for taking care of your mother - and feel that you are doing an admirable thing... HOWEVER, your life will go on, and the chaos that you'll leave behind will find you.

My advice - grieving is very hard - you are grieving, and normal, everyday life is not worth it right now - but reality doesn't allow us to step in and out without repercussions. U've paid your debt up to now... perhaps filing is a good idea - or get up there and see if you can get some sort of job that will allow you to care for your mother and pay your bills.

I am VERY lucky - my job allows me to work from home most of the time - and in 2 years will be FT from home. I can stay home on the bad days and go in the office when I can find someone to take over for the day. It's rough - but it's my mom, and it's worth it in the end.

GL to you -and ask questions or bounce off ideas here - it does help

[Minnymouth]

There's no damage done by contacting the cc companies, explaining the situtation at hand and requesting that nothing else will be charged to the cc cards and the account will be paid in full by monthly payments.......

By contacting them, making arrangements for the debt (even though you may not be able to make a full monthly payment), they may work with you and freeze the interest rate.... (but unfortunately they will still accumulate interest).....

By returning the cc to them in good faith, they might strike a deal with you for so much on the dollar to pay the debt...... no harm in asking about it.....

Keep us posted.....

[Minnymouth]

Being a "past caregiver" for both parents now deceased, you have my admiration and best wishes on your new venture into being a "caregiver".....

You are in for the "ride of your life"...... full of much happiness, sadness, surprises, and heartfelt emotions......

Some days will be full of emergencies, some laughter, some crying, some "I just don't know what to do" days........

Should you need to vent, feel free to contact some of us here on the forum who have been caregivers in the past. We understand where your going and what it's going to be like....... and it's a hard "road" to venture down alone.....

Keep in touch,

Minny