This website is a testimony to the problems Canadian Student Loan borrowers experienced from approximately 1996 to 2008 and until their loans were paid off.

The privatization of the Student Loans system by the Chretien and Martin Liberal governments broke the system and defaulted thousands of borrowers who were trying to pay their loans. There were even stories of suicide due to the harassment of borrowers.

Read the report that I prepared back in 2007 here. Canada Student Loans-The Need for Change Fortunately the new Conservative government at the time revamped the program and fixed the system for new borrowers, but borrowers under the previous program were left with ruined credit and continued harassment from debt collectors.

I call on the Canadian Government to apologize to the borrowers affected by this fiasco and make amends.

Unfortunately the Liberal government is again clobbering the Education system with their changes to International Student Visas. Yes, there's a problem, but instead of a well thought out plan, they have pulled the emergency brake on the train causing a derailment. This has introduced unprecedented instability for both private and public education institutions who serve both international and local students.

Universities have been forced to cancel programs and layoff hundreds if not thousands of full-time and contract instructors.

Again, the Liberal government has messed up the education environment.


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Forum LockedDoing the Legal Stuff Myself

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DB1972 View Drop Down
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    Posted: 06/November/2008 at 9:10am
I was discharged from bk in 2005. I am wanting to have my now dischargable SL included in that bankruptcy.
I called a lawyer and she wanted $2500 to do it.

So I called the court, got a sample of what i needed to do.

It cost me less than $1 for the paper, 26.50 for a notory, 15.00 for registered mail, and $10 court fee.

It took my about three hours of my time. Good investment.

I'll let you how it turns out.

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Madmorrigan View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Madmorrigan Quote  Post ReplyReply Direct Link To This Post Posted: 07/November/2008 at 10:55am
Originally posted by DB1972 DB1972 wrote:

I was discharged from bk in 2005. I am wanting to have my now dischargable SL included in that bankruptcy.
I called a lawyer and she wanted $2500 to do it.



Could you elaborate on what it is you're doing? I was discharged in 2006, and if there's any way I can have at least some of my SLs included, I'd just giggle with school-girlish glee and delight.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote hank Quote  Post ReplyReply Direct Link To This Post Posted: 23/December/2008 at 9:49am
 hey DB1972, I have been trying to find a way to get help with my outstanding loan balance, since being injured 4yrs ago and unable to work it has become impossible to deal with loan repayment. It sounds like you have found a way, what I was needing is a little more precise info or direction to get this ball rolling. If you can offer me anything more please reply to my email.
                Thank you 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 24/December/2008 at 11:18am
For privacy reasons, emails are not shown.... so reply here if you can...
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Mark OMeara
Author of Let Go and Heal: Recovery from Emotional Pain
https://LaughSingWrite.com - http://bit.ly/heal2024
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DB1972 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote DB1972 Quote  Post ReplyReply Direct Link To This Post Posted: 08/January/2009 at 4:12am
Hi there,
 
I posted exactly how i did it within another post on this forum (i think). It was not the easiest to do. I just never understood how if you have no money to pay the loans, how can you pay a lawyer to represent you? I understand that it is tough to do the 'lawyering' yourself, especially if the creditors object to your discharge b/c then you are going against lawyers. I just was lucky, no lawyers showed up from the other side!
 
If you can't find it, let me know. it's imposible to share email addresses on here. which is good, it keeps things anonymous since much of these discussions are 'delicate'.
 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 08/January/2009 at 8:44am
You didn't owe the government, that is why it was easier. You certainly did a good job though. ClapTongue If the government has coins owed to them, they always look out for their best interest, even if what they do is not in your best interest. Funny how that works, huh?
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

solvestudentdebt.com
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Phyre Quote  Post ReplyReply Direct Link To This Post Posted: 24/June/2009 at 9:58am
Unfortunately I may have to do it myself as well.. I haven't found a trustee that will touch people who are on provincial income assistance.   I do not see how even IF I was to have a good period that I was able to work for a period of time how I could pay the $1130 per month that they want. 

I know that if I am able to work chances are it will be under 6 months before I have a relapse.. But with this debt above my head I'm afraid to try.  I doubt I'd get a job paying over $10 per hour, trying to support  3 people on that wage is incredibly difficult.  I am also facing the possibility I may have to move, and rent for a 3 bedroom is around $1000, and a 2 bedroom is $900.  These are substandard housing too..  and due to issues of myself and one of my children we really require a 3 bedroom unit (I also require access to a washer and dryer I need to do on average 2 loads of laundry per day).

If I could just find a way to get rid of this burden...  it has now been 5 1/2 years since my last day of class.

I am going to try the federal disability program, but I don't have high hopes of acceptance.
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