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Considering emmigrating to Canada - Will my debt follow me, or affect my Visa application / citizenship???

Dear Reader I am aged 29 and I am in a fairly bad situation with debt. I currently owe approximately: £20,000 Cooperative Bank Personal Loan. £5,000 HSBC Credit Card. £2,000 HSBC Overdraft. £3,000 Egg Credit Card. £5,000 Student Loan Company. My minimum monthly payments for these debts comes to approximately £600 per month, plus bank charges on top of that, which can be anything up to £80 per month!!! I am currently making all of my payments and have never missed a payment at all, but am constantly getting a lot of bank charges for going overdrawn and am always skint due to paying off all my debts!!! I am in a steady job which pays about £27,500 per annum (before deducations), which works out at around £1,650 per month after deductions. I have never really let my debt bother me too much up until recently, as I have always managed to make my monthly payments and like I said I have never actually missed any payments. However, I am now considering taking some time out of work to go to Canada, with the intention of possibly moving there to live on a permanent basis. My partner is Canadian and she is moving back there to live permanently. If I were to go to Canada, either on a temporary or part time basis, what would be the implications of this with my debt - would I be able to: 1. Freeze my payments if I could prove that I had a job to come back to in the UK (my job have offered me a Career Break)? 2. make payments from abroad at a reduced rate of payment? 3. Leave my debt behind in the UK if I were to move there permanently? 4. Go bankrupt either in the UK or abroad - how would this affect my immigration to Canada, or how would it affect me if I were to come back to the UK at a later date? Sorry for so many questions!!! Any advice or information would be very much appreciated!!!!

How About Getting Work In The Oil Sands?

I don't know if you will ever see this post, snowman or, if you do, if my suggestion will strike you as something feasible, but here goes: In the past men (especially) have gone to boom towns where they could earn more money in a month than they could in a year in their home towns. The Alberta Oil Sands region is like that now. Now, I don't know what part of Canada your partner is returning to, but I was in a long-distance relationship with my Canadian husband for 3 years before we were finally able to marry and live together in his province. And while it was an ordeal, it was worth it. But I digress. I have heard of men with no prior experience getting jobs working in the Oil Sands and making eighty to a hundred thousand dollars or more in a year. Now, your rent in Alberta will be high. The cost of living will be much higher. But men are going there to pay off their debts. They go - and make no mistake - it's as hard, brutal, ugly and as lonely a life as you can imagine, or so I've heard. Plus we're destroying the environment there in a massive way and turning it into a moonscape. So that, in itself, could get to you. But if what I've heard on the news is right, then you could probably earn enough in a year to pay off all those debts you listed in a year or less. And if you kept that in mind as your goal, you might be able to gut it out. Then you could reunite with your partner wherever she lives in Canada and resume your previous career. Canada needs people to work in the Oil Sands. You can tell that because the government has a very cheerful website page on jobs there. The URL for that page is long and will probably be blocked if I try to post it here, so just do a Google search for "job opportunities in Oil Sands". Otherwise navigate your way to the "Training and Careers" section, then to "The Alberta Oil Sands" on the this Canadian government website: www.jobbank.gc.ca. Ledcor, Shell Canada and Flint Energy Services are hiring. Flint even has a toll-free recruitment number posted on its website: 1-866-GO-FLINT If you're a skilled construction worker, Canadian Natural is screening applicants. Anyway, when I read your post, it seemed to me that maybe this might be a possible answer for you. As the forum moderator says, "Hope This Helps." (And no - I have no affiliation with any of these companies - and, frankly, I think what we're doing in the Oil Sands is a crime against the earth. But I've been in debt and I've been in a situation where I couldn't be with my partner, so I can relate to your problems and, if I were in your situation, I think I'd look into this.)

Hello snowman1978

I will answer your questions in the order you have wrote them so we don’t get mixed up along the way. A1. I’m unsure on weather you will be able to freeze debts, even if you can prove you have a job when (or if) you come back. Speak to the Citizen’s Advice Borough on this matter. A2. You can pay to your debts whilst abroad to the UK, but you would have speak to the creditors about this because of the different currency their may by implications with. A3. If you were to leave your debt here in the UK then the debt would never go away, and possibly, interest and charges can and more than likely will be added on other the years. Making your debt a lot more than it was before you went. A4. You can go bankrupt in the UK, but again im unsure on how this would effect your immigration to Canada. The Citizen's Advice would be able to help you with this matter. Alternatively, you could give us a call here at the Debt Advice Trust and we can look through your details with you over the phone and find the best way for you to pay your debts back. Our number is 0800 954 6518. Hope this Helps.