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Urgent need help - Applying Spousal Sponsorship with credit debt in the banks

9

93Wood

Newbie
Feb 24, 2021
3
0
Hi,
I am asking for my family friend who is Canadian citizen and about to get marry soon and she is planning to apply for Spousal sponsorship PR for him. but he already has ties with Canada awhile ago. He came to Canada in 2006 and received PR in 2009 and he left to back home in 2011 due to some family emergency. During his period from 2006 to 2011 he submitted taxes and maintained very good credit history here in Canada. Unfortunately, due to some problems he stayed back home since 2011 and he never had intension to come back to Canada until now. While going back home he had debt of $15K with both Line of credit and credit card balance.by this time it will probably reached more than $ 20K with interest i guess(unless bank made his accounts closed or not sure how it will work). He didn't pay that amount because he has no intension of returning to Canada until now.

Since he married to Canadian citizen and wants to apply for PR to return to Canada. But question is

-> the debt he hasn't paid over the years has any impact on his application.
-> how the Canadian banks treat such accounts whether they will wait for customer to return and pay the full amount with interest or they will send them for collection/courts or they follow up for few years and forget about it.
->If he receives spousal PR and returns to Canada without any problems about previous debt, how it works with his debt once he landed in Canada.

Please help if any one dealt such things as it really helps my friend whether to trust him or not before marrying him.
If banks asks him to pay what the debt he incurred over the years then it will be difficult for her once they both are in Canada because he lands in Canada with huge debts in hand.

thanks in advance

Please help this help my fried
 
93Wood said:
Hi,
I am asking for my family friend who is Canadian citizen and about to get marry soon and she is planning to apply for Spousal sponsorship PR for him. but he already has ties with Canada awhile ago. He came to Canada in 2006 and received PR in 2009 and he left to back home in 2011 due to some family emergency. During his period from 2006 to 2011 he submitted taxes and maintained very good credit history here in Canada. Unfortunately, due to some problems he stayed back home since 2011 and he never had intension to come back to Canada until now. While going back home he had debt of $15K with both Line of credit and credit card balance.by this time it will probably reached more than $ 20K with interest i guess(unless bank made his accounts closed or not sure how it will work). He didn't pay that amount because he has no intension of returning to Canada until now.

Since he married to Canadian citizen and wants to apply for PR to return to Canada. But question is

-> the debt he hasn't paid over the years has any impact on his application.
-> how the Canadian banks treat such accounts whether they will wait for customer to return and pay the full amount with interest or they will send them for collection/courts or they follow up for few years and forget about it.
->If he receives spousal PR and returns to Canada without any problems about previous debt, how it works with his debt once he landed in Canada.

Please help if any one dealt such things as it really helps my friend whether to trust him or not before marrying him.
If banks asks him to pay what the debt he incurred over the years then it will be difficult for her once they both are in Canada because he lands in Canada with huge debts in hand.

thanks in advance

Please help this help my fried
Click to expand...

He is already a PR, he needs to apply PRTD to return to Canada.

EDIT: Since he wasn't in Canada for the last 5 years, his PR status might have been reneged.
 
Last edited:
Thanks Crazywire for your reply..
yes since he is not in Canada for last five years his PR got revoked. Is he still eligible to apply PRTD and able to get his PR back ?
He will also be eligible for Spousal sponsorship once he married to Canadian citizen? Is he good to go with Spousal PR instead applying PRTD?
How about his debt? How to deal with it? Does his wife(not married yet though) also liable to his debt once he land sin Canada?

thanks you
 
93Wood said:
How about his debt? How to deal with it? Does his wife(not married yet though) also liable to his debt once he land sin Canada?
Click to expand...
Relax, credit card debt is not an issue and c.c debt liability is solely on the debtor.
Credit card debt is UNsecured debt, meaning there are no guarantors (hence the big interest charges)
If you ignore the debt for 7 years, it will be removed from your credit history and you can get a new credit card from a different bank and rebuild your credit.
IRCC only cares about Bankruptcy, Federal debt, Child support debt...Federal stuff.
And please try to be more responsible with future debts.
 
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93Wood said:
Thanks Crazywire for your reply..
yes since he is not in Canada for last five years his PR got revoked. Is he still eligible to apply PRTD and able to get his PR back ?
He will also be eligible for Spousal sponsorship once he married to Canadian citizen? Is he good to go with Spousal PR instead applying PRTD?
How about his debt? How to deal with it? Does his wife(not married yet though) also liable to his debt once he land sin Canada?

thanks you
Click to expand...

If he didn't get official decision on his status from IRCC, he is still PR. He needs to apply for PRTD first and once they let him know he is no longer a PR, he can apply for Spousal Sponsorship.
 
Thank you Phalos and Crazywire!
This is a big relief to the family.
I am not sure of further details about his PR but he is been away from canada for more than 5 years
Hope he won't have problems with collection agents/banks once he lands in canada
 
@Phalos


I had applied for spousal sponsorship last year. The application is still in process and I got approved as a sponsor. However, lately, I realized I did many silly mistakes on IMM5532E regarding past employment history.

1. I did incorporation/self-employed for 3 weeks in 2018 however as my corporation exists so I wrote an ongoing date but mentioned in LOE that I worked only for 3 weeks but by mistake, I wrote 2019 instead of 2018 in the letter of explanation. Recently when I realized, I sent a webform ASAP and informed them regarding the mistake and updated the form From and To date to 2018 as I only worked for 3 weeks. I apologized and sent them the correction. They have responded to my web form that they have sent the information to the concerned office for consideration.

2. Self-employment address was not required however I put the current address but in 2018 the corporation address was different. I told them that this the current corporation address as it still exists. I don't know this additional information will harm me or not?

3. There is another past employment experience where I put the employer name as for example Company B/Company A. Company B (Subsidiary) was my employer and Company A is the parent company however first paycheck, employee ID card, and building everything was company A (Parent company). T4 and after 1st paycheck, all the pay stubs has company B name. Adding the parent company name after the employer name is something that will be treated as wrong? I wanted to provide as much as information but someone told me the company should only be the one on T4.


I am very much overthinking and having anxiety and don't know what to do as the application is in the middle of the process. I am afraid if these things might go against me? Shall I cancel and resubmit a new application? If yes, what reason should I give for cancellation? Or let it process as I already raised a webform for the mistake.

I feel like I completely messed up the application due to my unprofessionalism which might not impact my current status or any future application.

Please advise :(
 
Last edited:
UYK2017 said:
@Phalos


I had applied for spousal sponsorship last year. The application is still in process and I got approved as a sponsor. However, lately, I realized I did many silly mistakes on IMM5532E regarding past employment history.

1. I did incorporation/self-employed for 3 weeks in 2018 however as my corporation exists so I wrote an ongoing date but mentioned in LOE that I worked only for 3 weeks but by mistake, I wrote 2019 instead of 2018 in the letter of explanation. Recently when I realized, I sent a webform ASAP and informed them regarding the mistake and updated the form From and To date to 2018 as I only worked for 3 weeks. I apologized and sent them the correction. They have responded to my web form that they have sent the information to the concerned office for consideration.

2. Self-employment address was not required however I put the current address but in 2018 the corporation address was different. I told them that this the current corporation address as it still exists. I don't know this additional information will harm me or not?

3. There is another past employment experience where I put the employer name as for example Company B/Company A. Company B (Subsidiary) was my employer and Company A is the parent company however first paycheck, employee ID card, and building everything was company A (Parent company). T4 and after 1st paycheck, all the pay stubs has company B name. Adding the parent company name after the employer name is something that will be treated as wrong? I wanted to provide as much as information but someone told me the company should only be the one on T4.


I am very much overthinking and having anxiety and don't know what to do as the application is in the middle of the process. I am afraid if these things might go against me? Shall I cancel and resubmit a new application? If yes, what reason should I give for cancellation? Or let it process as I already raised a webform for the mistake.

I feel like I completely messed up the application due to my unprofessionalism which might not impact my current status or any future application.

Please advise :(
Click to expand...

You're overthinking, most of this is trivial. Mainly they're checking your status in country, criminal l records, and if any social assistance.
 
UYK2017 said:
@Phalos


I had applied for spousal sponsorship last year. The application is still in process and I got approved as a sponsor. However, lately, I realized I did many silly mistakes on IMM5532E regarding past employment history.

1. I did incorporation/self-employed for 3 weeks in 2018 however as my corporation exists so I wrote an ongoing date but mentioned in LOE that I worked only for 3 weeks but by mistake, I wrote 2019 instead of 2018 in the letter of explanation. Recently when I realized, I sent a webform ASAP and informed them regarding the mistake and updated the form From and To date to 2018 as I only worked for 3 weeks. I apologized and sent them the correction. They have responded to my web form that they have sent the information to the concerned office for consideration.

2. Self-employment address was not required however I put the current address but in 2018 the corporation address was different. I told them that this the current corporation address as it still exists. I don't know this additional information will harm me or not?

3. There is another past employment experience where I put the employer name as for example Company B/Company A. Company B (Subsidiary) was my employer and Company A is the parent company however first paycheck, employee ID card, and building everything was company A (Parent company). T4 and after 1st paycheck, all the pay stubs has company B name. Adding the parent company name after the employer name is something that will be treated as wrong? I wanted to provide as much as information but someone told me the company should only be the one on T4.


I am very much overthinking and having anxiety and don't know what to do as the application is in the middle of the process. I am afraid if these things might go against me? Shall I cancel and resubmit a new application? If yes, what reason should I give for cancellation? Or let it process as I already raised a webform for the mistake.

I feel like I completely messed up the application due to my unprofessionalism which might not impact my current status or any future application.

Please advise :(
Click to expand...
whoa! easy there sparky! ur gonna blow a fuse haha, kidding.
As the sponsor, your past employment details is not that important. Its the Applicant's Schedule A that is going to be scrutinized under microscope. Make sure you save the copy of your original Sched A, so if they ask for updated Sched. A, you won't mess up any dates, addresses, places of employment for APPLICANT.
Do not withdraw your application, if you were already APPROVED as a sponsor, IRCC no longer CARES about you. They will not come back to scrutinize your employment, ok? Relax.
 
@armoured @Phalos

Thank you so much for your kind words. The webform which I have raised for correction is fine right?

Literally, I saw posts and other things regarding misrepresentation like making mistakes, etc which haunts me.

My concern is more related to my future citizenship or pr renewal application. I don't know if they will gonna match the new application data with this sponsorship application.

Please advise the future approach. Shall I put the same data and attach a letter of explanation to provide clarity.

Thanks.
 
I don't know about Citizenship application, but I know our gov't loves to match stuff, so just make sure it matches :p
 
UYK2017 said:
@Phalos I am sure, I am in trouble :(

These two past two employment history haunts me like hell!

@armoured Any suggestion?
Click to expand...

I don't think any of those are material to you being a sponsor or citizenship app. Misrepresentation is putting materially wrong information,ie that would make them look at your app differently if you told the truth. Mistakes like above are not (in my view).

Keep a record of what info you provided and ask in the citizenship forum when the time comes.

You can always provide a letter of explanation about these things though I think.
 
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