I write this today moments after pulling my latest report from Equifax online.  For the first time in at least 8 years, let me just say my report is SPARKLING--and I have one man to thank...John LeBlanc.

My story is a common one of heavy student debt, but my own path took a detour in September of 2000.  Leaving University earlier that year, I found a job and resolved myself to finally cleaning up my mess.  Riding the subway one day, I saw an ad for the CCS of Toronto, and soon made an appointment to see them, thinking that was my only way out.

In an honest attempt to clear and pay everything I owed off, I brought forth all my collection letters (Scotia Student/Federal Loans and OSAP) in my possession.  From the moment I walked into their cheesy offices, I was skeptical.  Nonetheless, I met with them for 30 mins, gave them all my collection letters and was told they would send off "proposals".  After much follow up from me, my payment plan started, including their initial $200 "setup" fee and $20/month "service" fee.

I thought things were actually fine for the next two years and I was able to settle directly with one agency for one huge Scotia student bill, and paid off in due time the other OSAP portion I owed through CCS.  I closed my file...or so I thought.  And, for a brief moment in time, my report was clear.  That was two years ago. 

Then the fun began.  No more than 10 days after downloading a copy of my clear credit report, an agency, Contact Resource Services, and the most militant, unprofessional agent I have EVER had the good fortune of dealing with - "JESSICA" - called me saying I owed $10,000 to ScotiaBank.  Impossible, I thought.  I settled this a year ago.  Faxed her the proof.  Different account.  And guess what...under the collections heading of my Equifax credit report, there it was--a new posting of $10,000 owing to ScotiaBank.  I was back to square one.

Although I had brought it forward to be resolved, CCS of Toronto had totally neglected to add one account to the proposal, and for that matter, ScotiaBank missed it as well.  It went unnoticed by me as I was making a $500/month blanket payment to CCS which was then pushed out to Scotia.

Here's the kicker--this separate Scotia Federal Loan account had been dormant since 1998.  I had never acknowledged it or made a payment to it since then.  Yet...it showed one rogue payment in Aug of 2003. 

Enter John.

The conclusion John and I drew was that the bank, knowingly or ..., took my one payment for my other Scotia matter and allocated it to the wrong account, thus reactivating it.  The funny thing is, I tried to make good on everything.  Through an unbelievable series of twists, turns, and major screwups not of my own accord, I was now culpable 7 years after the fact, and 4 years after I tried to get legit.

Allow me just to say he is brilliant at what he does.  Being brilliant at what you do makes for happy clients (me).  It also empowers a man like John to take a formidable, Schedule A bank and make them grovel on their knees like the morons they are.

IN LESS THAN 6 MONTHS from the time I called John, not only has he defended my rights, exposed the wrong doings of a Schedule A bank AND made things right again, his work was extended to the major credit reporting firms and I am now clean and credit worthy again.

Bottom line--JOHN LeBLANC is worth EVERY penny you spend on his services.  He is the modern day David of David and Goliath fame.  That sounds dramatic and it is!  He is the real deal and simply just trust in him.  Your role will be to provide him any and all information that relates to you (a given). 

Beyond that, let him do his job, and if there is a way to help, he will, no question.