小額錢債審裁

麻煩各位!

今日收到封律師信 係4月尾要上庭

因為差不多1年多前 向政府借左免入息審查貸款 約$3xxxx

之後讀完本打算再讀 但屋企人反對

所以無法再用家人名借錢

唯有自己去返工想儲到錢再讀

到後來返左工 因為有收入要幫手還銀行既錢

跟本都儲唔到錢 最近還完錢

都無打算再讀書

但果時真係無收到信要還錢

都唔知原來要申請延期

結果依家收到信要上庭

果日屋企人睇到已經鬧左一餐

我亦無錢即時還 都發現左無得依家申請延期

想問下可以點算??

依家想問幾個問題

1)上庭後 佢會否要我即時還哂全錢? (因為我無錢還!屋企亦無錢)

2)如果我當收唔到信,唔出庭會點?

(因為上網睇過,話庭會判對方贏,但本來我就已經要還,一定係佢贏,

但如果唔出庭會否再好快收到信?,如果時間耐,我係呢段時間自己盡快還錢可以嗎?)

(另外因為果日我唔敢叫我家人上庭,首先佢未必肯,第2係佢實鬧到飛天)

3)會唔會有方法唔連累到我家人, 因為唔想煩到佢要上庭 同要佢比錢(因為佢都無錢)

4)但若果最後我唔出席,佢又判左我要還,但我真係完全無錢還,

咁會點?

會否因為欠政府錢而坐牢?

更新:

其實我依家好細,但我好擔心未來應該點

如果我申請破產會否不連累到我既家人?

另外如果銀行有欠債係我名 ,我申請破產,

銀行及政府錢是否可以不用還?

1 個解答

評分
  • Gary
    Lv 7
    6 年前
    最愛解答

    1. Yes if this becomes a judgment against you.

    However, a payment plan is possible (but it will be very restrictive).

    2. Whoever sues you win the case.

    3. You should have the contact information from whatever you have received by the mail (the same mail you received your summon to the court).

    Contact that person and see if you can work a deal.

    4. The interest will continue to build up. Also the court can issue an arrest warrant to arrest for contempt of the court.

    It is not illegal for failure to repay. But it is illegal to ignore a court order.

    5. No - it is a government debt. It will not be usually discharged from bankruptcy.

    You will still have to repay no matter what.

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