Collection of Old - Stats Barred - Loans - CIBC Student Loans & Collections

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CIBC Student Loans & Collections

Printed From: CanadaStudentDebt.ca
Category: Immediate Attention and Info!
Forum Name: Collection of Old - Stats Barred - Loans
Forum Description: Post questions about old loans and Statute of Limitations Issues
URL: https://www.canadastudentdebt.ca/forum_posts.asp?TID=5656
Printed Date: 26/March/2026 at 10:30pm
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Topic: CIBC Student Loans & Collections

Posted By: SolveStudentDebt
Subject: CIBC Student Loans & Collections
Date Posted: 11/February/2010 at 3:52pm

Collection agencies will attempt to pursue someone legally even if the debt is statute barred. Their immediate hope is that the individual is not aware of it. I am seeing a few recent cases whereas collection agencies are doing this. In one most recent case of ours, the individual was able to demonstrate the matter and the attorney acting for CIBC (and NCO) went into a desperate frenzy by taunting and interrogating her. The adjudicator immediately cited that his (the lawyer's) behavior was quite "unorthodox".

My client was forced by this collection agency to walk through a minefield - blindfolded. She walked through this minefield knowing the location of EVERY landmine. Awareness is everything.

The message here is this. Don't fear the bullies within the financial community. They have to create fear in order to prey on it. If you feel that the financial industry has wronged you or violated you in any way, all you have to do is come here and share information - and receive information.

I will update on other cases at a later date.

Johnny

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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com

Replies:

Posted By: winnipeg
Date Posted: 12/February/2010 at 12:03pm

I have to agree. I was a client that went through such an experience. AWARENESS IS THE KEY AND YOU WILL GET THAT AWARENESS BY CONTACTING JONNY. He knows it. The minimal fee is more than worth it and a bargain for what you get. You couldn't do better.

It is important that you educate yourself. I spent almost three weeks emailing Jonny and when I went to court I was prepared and able to understand what I had to do and say no matter what the collection agency's Lawyer tried. YOU NEED TO KNOW KNOW WHAT YOUR OPTIONS ARE

It is important to understand that the financial laws and institutions are not user friendly and you need the right advice. I tried many avenues and was misguided until I contacted Jonny. If you are unsure or hesitant please write me. Don't do this alone.

Posted By: Iknowalotofstuff
Date Posted: 12/February/2010 at 4:08pm

Who or what is the "adjudicator" that you refer to in paragraph one.

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wlb

Posted By: tdawg
Date Posted: 12/February/2010 at 5:01pm

This will become more common, especially with homeowners and people employed that are unlikely to leave their jobs soon.

The hope is that the 'debtor' doesn't file a defense out of laziness or that they fear judgment enough to pay right away. If you file a defense, at the very least, it increases the agencies costs for going for judgment and extends the time period they can start executing on the judgment.

ALWAYS file a defense and seek professional help if you're served for a debt. There are more options available to people the quicker they act.

Posted By: SolveStudentDebt
Date Posted: 13/February/2010 at 1:40am

Stuff, you know what I meant. You know what an adjudicator is. You are a lawyer, or appear to be. I still don't know because I have asked you a few times here and you would not give a response. Anyway, an adjudicator is someone who presides, judges and arbitrates during a formal dispute. The term adjudicator essentially means a judge of some sort. A Justicve of the Peace can adjudicate a small claims hearing. In Layman's - someone who studies and settles conflicts and disputes.

Posted By: Iknowalotofstuff
Date Posted: 13/February/2010 at 2:28pm

I live in Ontario. That is my frame of reference. In Ontario, there are judges in SCC / Superior Court. In Bankruptcy Court, there are registrars and judges. In Ontario, Justices of the Peace have no civil authority. While I am educating myself about the SCC etc. in other provinces, you made mention of an "adjudicator". My question was sincere in trying to find out if the "adjudicator" was something different. In Ontario, there are mediators. I was simply trying to put your comment in a context that I was familiar with.

With respect to your specific post, I was unsure what you meant by the word "adjudicator". In many of your post you make positive reference to negotiating resolutions rather than using the court or bankruptcy, so I was unsure what you meant. Thanks for the clarification.

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wlb

Posted By: SolveStudentDebt
Date Posted: 14/February/2010 at 1:23am

Someone has to make decisions in a courtroon. That would be a judge, or an official adjudicator.

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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com