I've seen lots and lots of posts on here with people having similar problems and I have a couple of questions.
First, this is my story: I received my last student loan funding in January 2000 and finished my courses in June 2000 with CIBC Student loans, both federal and provincial. I was on an exchange program abroad and haven't returned back to Canada. I regret to say that I haven't paid any of my loans back - primarily because of the cost of living where i am and I just can't afford to. It costs more to wire the money across then the amount that I could actually have afforded to pay.
Recently, I had a baby and am now not working because I am a stay home Mom and therefore, have no income - We're living on my partners trainee salary and benefits and just getting by.
I've had an email from Metropolitan Credit Adjusters? Anyone know who they are? They sent me an email and said call them because they can't disclose any details over email. That sounds suspicious to me. What does that mean? I can only assume that it has to do with my loans, which I still can't afford to pay back. I would love to pay them back but I can't afford it, especially now that I am staying home with my daughter.
Can I be deported back to Canada if I have to go to Court? How does that work? I've read someone who reassured someone else that you can't go to prison. Is that true? Will I ever be able to visit Canada again. My mother once said to me that people got arrested for their student loans at the airport when coming back into the country. Is all this over-reacting? Urban myths are killing me. It makes me sick with fear and anxiety. Before my daughter was born, I contemplated the worse possible way out because of my growing fear. I've been burying my head in the sand and I need some reassurance that I am not going to hell or prison or that my family may never meet my daughter.
I don't want to skirt my responsibilites but I genuinely can't afford to pay anything yet. We're not a well off family; I never made use of my degree and would sell it back in a heart beat.
Can anyone please explain what Metropolitan Credit Adjusters are and what they want. I don't want to call because my fear is growing irrationally. Please help me someone. I need some advice as to how this works.