How To Apply For Hardship in BC?

Discharged Sept 2007, school ended May 2001. I was told by my trustee numerous times while still working through the bankruptcy process that the student loans would be discharged along with everything else. I found out after - even after assuring me numerous times - they weren't. When I started getting collection agency calls again, I called my trustee. They suddenly denied saying anything of the sort and have refused to take my calls or answer my emails since. Was told they don't deal with these kinds of situations, even though I was also told that anything I may have missed in my bankruptcy, they could "add" at a later date for a nominal fee.

I currently pay $80/month toward the debt and have for some time now. Collection agency wouldn't stop calling, and frankly I can't even afford the $80, but I felt like I had no other choice. They wouldn't accept a smaller amount.

As an aside, I initially used the interest relief program so I didn't pay back my student loans for a long time. Then, one day, RBC didn't get my forms (even though I dropped them off to a teller in the bank). That's when my problems started and the interest racked up. Anyway. I'm now paying back probably three times what I initially borrowed. Just a heads up for those of you who don't take advantage of interest relief - do it.

I'm a single parent with two kids, self employed, and make around $20,000 a year (net). I've spoken to a lawyer in Victoria who said she'd take me on as a client, but the cost was 1/2 of my yearly income plus incidentals. She also said she'd charge me her hourly rate for one hour, and walk me through the paperwork so I could do it myself - but it's 3-4hr trip from my home to her place of work - with kids I just can't figure out how to do it. I'm willing to go through this hardship application process myself, but need some guidance in the right direction as to where to start.

Thanks for your reply Johnny. So the fact that I'm 10+ years past my last day of schooling doesn't apply to anything anymore? I thought it did, but maybe that's old legislation.

I'll call the bankruptcy court in Vancouver today and get the package. Thank you.

In other provinces they will mail it to you. They will ask you for your bankruptcy file (estate) number and once they see youa re a prior bankrupt they pretty much have to give it to you. It is their repsonsibility to do so. However, we all know how the Canadian justice system "works around" their own responsibility and accountability.

You should contact the one int he jurisdiction you filed and see what they have to say.  You shouldn't have to file another bankruptcy assignment. You should be able to submit the appeal to discharge the student loans to them. In my opinion, you should also be able to file it anywhere  as well because bankruptcy is a federal program.

I've talked to a pro bono lawyer but the process is taking a while. After looking at the hoops I was asked to jump through just to get the necessary information, I decided it might be easier to see if I could get some sort of legal support through the process. Although people have been helpful, its been a lot of running around with everyone telling me to go to one organization, and them telling me that it's someone else I have to talk to.

Johnny,
 How many times can a lender sell back portions of your student loan? If you default and it is a risk shared loan pre 2000 and post 1995 and the bank sells back a portion to the government and you pay it can the bank sell another portion to the government again?