Maybe. To seize (take) your property, a creditor must have a court order allowing it to do so OR your written permission to place a lien on the property. A creditor usually only gets a court order if they believe your property has enough re-sale value to cover the amount you owe. Otherwise, it is not worth the creditor’s time and money (legal fees) to do this. Sometimes when you borrow money, one of the conditions of the loan is you allow the lender to place a lien on your property. This agreement must be in writing. You should know if you signed such a document. For example, if you bought an item on a ‘buy now, pay later’ plan, the contract might have a clause giving the creditor permission to lien the goods if you do not pay. Check your loan documents. In many provinces, basic household goods are exempt from seizure – they cannot be taken. Last Reviewed: October 2020