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international collection agencies

asked November 30, 2017 by Anonymous

I am struggling to pay my debt of about 20 000 CAD (10 000 CAD on a credit line and the rest in 2 credit cards, all with Scotia Bank). I am currently away in Europe for school, and have been paying the interest using online banking. I am a student, unemployed and with no income. Since I am not physically in Canada, I cannot file bankrupcy at this moment. I do want to file in the future, when I return. I do not have any assets in Canada that can be seized. Should I stop paying the interest / monthly payments due to financial difficulties, should I worry about collection agencies coming after me in Europe? 

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