Loan Repayment Legal Concerns

Summary

Verbal agreements in Canada can be legally binding. A lender may sue for breach of contract if repayment obligations are not met. However, proving theft requires evidence of intent to permanently deprive the lender of the money. Keeping clear records of repayments is crucial. Legal issues like judgments or outstanding warrants can impact border crossing but not citizenship directly. Filing a false police report is a criminal offense.

Full Conversation

If I got a loan from someone and there was no written agreement or repayment date and I’ve started paying them back can they take me to court or go to the police
Hello Mikhayla, generally:
- If there's no written agreement, it's a verbal contract.
- They could potentially sue for breach of contract, but proving it might be difficult.
- The police typically do not get involved in civil matters.
Could you share your location for more specific information?
Canada
Hello Mikhayla, in Canada:
- Verbal agreements can be legally enforceable.
- A lender may take you to court if they think you're not fulfilling your repayment obligations.
- It's unlikely for the police to intervene in such cases, as it's a civil matter.
If I am a student in Canada but a us citizen can they do anything to cause me to not be able to cross the border or lose Canadian citizenship
Hello Mikhayla, in regards to your question:
- Your citizenship is not directly affected by personal debts.
- However, legal issues such as judgments or outstanding warrants can potentially impact your ability to cross borders.
- It's essential to settle any legal disputes to avoid complications.
Can they file a police report and say that I stole it
Hello Mikhayla, to your question:
- Filing a false police report is a criminal offense.
- If they claim theft, they must provide evidence.
- If you've started repaying the loan, that suggests it was a loan, not theft.
- Always keep records of payments.
Can they claim theft on the amount not paid back yet
Hello Mikhayla, in response to your question:
- They can claim theft, but they need to prove intent to permanently deprive them of the money.
- If it's established as a loan, unpaid amounts are a civil matter, not theft.
- Keep all evidence of repayments.
What can they do
Hello Mikhayla, in your situation, they can:
- Potentially sue you for breach of contract if they can prove there was a verbal agreement and you're not meeting your repayment obligations.
- Claim theft, but they would need to prove intent, which may be difficult if you've been making repayments.
- They cannot directly impact your citizenship or border crossing.
Thank you
You're welcome, Mikhayla! If you have any more questions in the future, don't hesitate to ask. Remember, keeping clear records is crucial in cases like yours. Stay safe and take care!