Moved to Ontario in 1995 from Newfoundland. Due to many hardships health and everything in between in 1998 I was advised to delcare bankruptcy. I was told this would set me free (of course it didn't), give me a fresh start and allow me to get my health in check. I was young, no family here and so very, very scared, and too trusting.

 

So I declare, and am discharged and the fun starts again. Find out student loans can not declared in a bankruptcy. I was devistated had ruined my credit for nothing, then find out the company I had filled with went bankrupt as well. This happened a year or so later when I called them for help with this matter. So to make a very long story short. I have never been able to pay them back. This alone has effected me in ways I can not express in mere words and haunts me daily.

 

So the last time I had any contact with CBV/Canada Student Loans was in 2005. I told them I could not pay and they stopped calling. I have worked but never making enough to survive and pay back. Now I am now a mother of two little girls. I never would have thought the example I would be setting would be this. I would never have attended university and put myself in this situation to "better myself" had I known.

 

So my question is after all this time can CBV be contacting me especially since the loan was out of province? Wouldn't it be stats barred? Can they take me to court? I trully have nothing they can take but the last of my confidence but having to go to court would be devistating.

 

My husband and I plan to pay as soon as we are able. I am a stay at home mom and he is not making enough for us to acknowledge CBV and start the process off again at this time. It kills me to see their number come up and know if I answer I can do nothing, and listening to the rings doing nothing is killing me. What example am I setting for two precious girls.

 

Johnny I have read your advice on this site and you have helped so many. When I have the money I will be contacting you for your help with this matter. In the meantime if you could let me know your thoughts it would be much appreciated.