Bankruptcy and Proposal Info and Issues

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Hardship? Please Help!

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Category: Immediate Attention and Info!
Forum Name: Bankruptcy and Proposal Info and Issues
Forum Description: Get your questions answered about bankruptcy and proposals
URL: https://www.canadastudentdebt.ca/forum_posts.asp?TID=5819
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Topic: Hardship? Please Help!

Posted By: mommyto4in08
Subject: Hardship? Please Help!
Date Posted: 15/June/2010 at 8:41pm

Does anyone know what the criteria are for qualifying for "hardship"? Is there a formula or standards somewhere? As it stands now I do not qualify for discharge from my student loans as I declared bankruptcy in 04, 2 years out of school at the time. The earliest I could apply is 2012 as I fall under the 10 year rule. I am a stay at home mom, my husband takes home approx. 3000.00 per month. We are a family of 6 so we do struggle. I owe 20,000 to the Gov't, about the same to RBC. I am making measly 40.00/m payments to CCRA in good faith, (up from 25.00 at their urging), however even this amount is tough for us. I am not paying anything to RBC (I just don't have the money to do so), and so far there haven't been any repercussions. There is no hope of our situation changing for some time, and it will take eons to pay these loans back, if ever. Anyways, any help at all is appreciated! Thanks!
~Pam~

Replies:

Posted By: icemaiden129
Date Posted: 23/June/2010 at 11:17am

if you are a previous bankruptcy contact your trustee and ask them what the conditions are to put this in front of a judge for hardship to get the student loans cleard up