If the debtor still doesn’t pay, you may want to bring a legal action.
You can sue in British Columbia if the debt arose in BC, or if the debtor lives or carries on business in BC.
Just starting a lawsuit will sometimes make the debtor pay. As well, after starting the action, you may be able to collect from the debtor’s employer and others who owe money to the debtor. (See our guidance on garnishment.)
The amount you’re seeking affects the choice of court to sue in.
If you are seeking up to $5,000, you can file a claim with the Civil Resolution Tribunal. The tribunal is an online system designed for people to represent themselves.
For amounts between $5,000 and $35,000, you’d sue in Small Claims Court. Many people represent themselves in this court. It’s less expensive and less risky than going to Supreme Court. If the debtor owes you more than $35,000, you can sue in Small Claims Court for up to $35,000 and forget the rest.
For amounts over $35,000, you would sue in BC Supreme Court.