- Reaction score
- 6
- Points
- 430
teddymtl said:
Since you haven't told us what the crimes were, the answer would be .... maybe.
A
aesop081
Guest
teddymtl said:
Maybe this would be more suitable:
http://www.hcareers.ca/seeker/employer-profiles/tim-hortons-restaurants
- Reaction score
- 6
- Points
- 430
teddymtl,
Although those do not seem to be the type of activities we may want future members of the CF to have been convicted of, there are too many possible factors for any of us here to predict how a review of your file on application to join may turn out. Such things as punishments awarded, your own presentation to the recruiters and any available proof of restitution if required by the courts would all have to be weighed, and we cannot do that on this forum to give you any answer with confidence. All we can do is recommend that you be completely honest with your recruiter and to accept whatever decision befalls you in the recruiting process.
Good luck.
Although those do not seem to be the type of activities we may want future members of the CF to have been convicted of, there are too many possible factors for any of us here to predict how a review of your file on application to join may turn out. Such things as punishments awarded, your own presentation to the recruiters and any available proof of restitution if required by the courts would all have to be weighed, and we cannot do that on this forum to give you any answer with confidence. All we can do is recommend that you be completely honest with your recruiter and to accept whatever decision befalls you in the recruiting process.
Good luck.
- Reaction score
- 6,080
- Points
- 1,160
Michael O`Leary said:
Question has been answered. Go see a Recruiter.
Locked,
MILNET.CA STAFF
- Reaction score
- 0
- Points
- 210
Personally i am worried about my credit. I have 3 credit cards that are in collections, each with smallish amounts. 2 of them are R9. Its not that i dont want to pay them, i do, however due to the fact that i have a family consisting of 2 toddlers, among with other credit card bills and normal bills, i am only able to afford 1 payment a month so i have been consistantly paying off 1 card month by month for the last 2 1/2 years.
My total debt equals $2000-$2500. i am hoping this is not an issue. but if it is i will have to find a way to make it a non issue as i am very commited to recruiting.
My total debt equals $2000-$2500. i am hoping this is not an issue. but if it is i will have to find a way to make it a non issue as i am very commited to recruiting.
- Reaction score
- 0
- Points
- 360
JBoyd said:
Get your financial house in order.
No matter what the CF may think of your financial situation, you owe your two toddlers more stability than this.
From what you've said, your situation is not (yet) that serious - get some financial assistance/advice and address this problem - regardless the CF thinks it's a problem or not.
Roy
- Reaction score
- 0
- Points
- 210
Thank you for your quick reply, and you are correct it may not be serious yet, and i do not want it to get serious, i am trying to get it taken care of as quickly and efficently as possible so that it wont hurt or harm any future my family may have. I have a prospective solution on how to get a good handle on this debt so perhaps i will investigate that route
JBoyd,
Best of luck to you. I am considerably more in debt than you, but have R1s across the board and an average-to-good credit rating. I also do not have children, so I suppose I could not ever fully understand your day-to-day dilemmas. That said, R9s are a concern, because they show a general failure to rectify situations that are clearly sliding... an R2/R4 is one thing, but giving up on credit repayment and allowing an R9 (let alone several), isn't great. The amount you have failed to pay is of little consequence, and actually, some may even look at not paying a small amount even worse than not paying a large one.
In any event, I would personally suggest meeting with a banker if you haven't already done so, and seeing about what they may be able to do for you. With R9s, that may not be much. Your next best bet might be a credit proposal, but if you can at all pay for this debt yourself, right now, all the better, because proposals show on your credit. One of the things you can do is contact the company you owed money too, rather than the collection agency. The company in some cases will reverse the bad debt if you promptly pay it back. An agency never will. Never hurts to try.
Lots of good threads on this topic all over the place here.
Best of luck to you. I am considerably more in debt than you, but have R1s across the board and an average-to-good credit rating. I also do not have children, so I suppose I could not ever fully understand your day-to-day dilemmas. That said, R9s are a concern, because they show a general failure to rectify situations that are clearly sliding... an R2/R4 is one thing, but giving up on credit repayment and allowing an R9 (let alone several), isn't great. The amount you have failed to pay is of little consequence, and actually, some may even look at not paying a small amount even worse than not paying a large one.
In any event, I would personally suggest meeting with a banker if you haven't already done so, and seeing about what they may be able to do for you. With R9s, that may not be much. Your next best bet might be a credit proposal, but if you can at all pay for this debt yourself, right now, all the better, because proposals show on your credit. One of the things you can do is contact the company you owed money too, rather than the collection agency. The company in some cases will reverse the bad debt if you promptly pay it back. An agency never will. Never hurts to try.
Lots of good threads on this topic all over the place here.
- Reaction score
- 0
- Points
- 210
Well the one collection agency i am paying, is getting paid first because they offered to freeze and remove the interest. so my payments go straight to the principle. I will look into calling the credit company directly and see what i can come to with them as far as an agreement is concerned
Yeah, keep in mind that the original creditor is losing a lot of money by going with a collections group. A lot. So if they can recover a portion of their money, its better than writing it all off and getting pennies on the dollar from the collections group.
- Reaction score
- 777
- Points
- 1,240
Going with a collection agency is not always best for your credit rating though.
My ex-talked with a financial councilour. Those brokered repayment deals ruin your credit during the repayment time plus 5 to 7 years afterwards (adding upwards of 13 years). While declaring bankruptcy is a last resort option, it will only ruin your credit for 7 years.
As for applying to the CF, being open and honest with all financial dealings is the best way to go. If you have a brokered agreement and can prove it is working or if you had to declare bankruptcy and can prove steps to a stable financial house, you will be better off in the long run.
My ex-talked with a financial councilour. Those brokered repayment deals ruin your credit during the repayment time plus 5 to 7 years afterwards (adding upwards of 13 years). While declaring bankruptcy is a last resort option, it will only ruin your credit for 7 years.
As for applying to the CF, being open and honest with all financial dealings is the best way to go. If you have a brokered agreement and can prove it is working or if you had to declare bankruptcy and can prove steps to a stable financial house, you will be better off in the long run.
kratz said:
Yes; though Im not sure if you are aware of th difference between a collection agency and a credit counseling organization. Collection Agencies (generally) buy your debt from creditors, and then try to recover it. Since by this point most of it is unrecoverable, they dont buy it for very much, and they are quite encouraged to recover the full amount (this is where their profit comes from). Thus, almost always better to deal with the original creditor than the collection agency. Plus the creditor has more power with the credit bureaus. If you make a private arrangement with the creditor, it normally WILL NOT show on your credit history.
Credit proposals do indeed show on your credit history, because normally they are negotiated, last resort type deals that affect all your creditors, and you are more or less giving them no choice - get some cash, or I declare bankrupt. Most creditors will take some cash vs no cash.
EDITED BY ROY HARDING TO FIX THE QUOTE BOX
???
K, here's the deal, I wanna enlist, but am very reluctant because of this enhanced reliabilty check that they perform...simply put, I have a criminal record and bad credit...do I get a chance to explain my reasons?
here's the facts in point form...
Criminal record:
Type: Assault
When: 1998
Convicted: 2002
Received: $150 Fine, 6 mths probation
No pardon received as of today
Credit Probs:
Type: Unpaid child support, student loans, bills
Why?: Basically, My ex (who has full custody) also has a drug abuse/gambling prob...and I HAVE the kids 100% of the time, she doesn't even see them on weekends for the past 6 yrs!
-She defrauds the government by claiming welfare, and when i try to fight her in court, she has salvation army defending her because she's on welfare.
-I can't work normal jobs cos of the garnishments, so now i fall back on all my other bills such as student loans.
-I have proof from our kids schools sayin that they are in my care.
-Everytime I get a job, I apply for legal aid, they say I can't get it cos I make too much, and then in a couple of weeks, I get garnished...have to quit simply cos I can't pay my bill/rent.
-When I apply for legal aid when I'm outta work, they say I have to wait 6 months b4 applying again.
-Everytime I get another job and put it in the system, I get garnished asap.
What kinda system is this? just trying to raise my kids in a safe environment and join the army so that they can be proud of me...
So what are my chances of getting into the CF?
??? :-\ :'( :crybaby:
K, here's the deal, I wanna enlist, but am very reluctant because of this enhanced reliabilty check that they perform...simply put, I have a criminal record and bad credit...do I get a chance to explain my reasons?
here's the facts in point form...
Criminal record:
Type: Assault
When: 1998
Convicted: 2002
Received: $150 Fine, 6 mths probation
No pardon received as of today
Credit Probs:
Type: Unpaid child support, student loans, bills
Why?: Basically, My ex (who has full custody) also has a drug abuse/gambling prob...and I HAVE the kids 100% of the time, she doesn't even see them on weekends for the past 6 yrs!
-She defrauds the government by claiming welfare, and when i try to fight her in court, she has salvation army defending her because she's on welfare.
-I can't work normal jobs cos of the garnishments, so now i fall back on all my other bills such as student loans.
-I have proof from our kids schools sayin that they are in my care.
-Everytime I get a job, I apply for legal aid, they say I can't get it cos I make too much, and then in a couple of weeks, I get garnished...have to quit simply cos I can't pay my bill/rent.
-When I apply for legal aid when I'm outta work, they say I have to wait 6 months b4 applying again.
-Everytime I get another job and put it in the system, I get garnished asap.
What kinda system is this? just trying to raise my kids in a safe environment and join the army so that they can be proud of me...
So what are my chances of getting into the CF?
??? :-\ :'( :crybaby:
- Reaction score
- 1
- Points
- 430
1. Best talk to your local CFRC.
2. Type nice an neat, so we can understand what your saying.
3. Only join if that's what you want.
4. Use the spell check.
5. No need for all the smileys.
2. Type nice an neat, so we can understand what your saying.
3. Only join if that's what you want.
4. Use the spell check.
5. No need for all the smileys.
