Bankruptcy and Proposal Info and Issues - Any options for 19 year default

Any options for 19 year default

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Topic: Any options for 19 year default

Posted By: vlole
Subject: Any options for 19 year default
Date Posted: 13/June/2012 at 5:52pm

Hi all,

19 years ago I graduated from a college that went out of business shortly after. My diploma means nothing on a resume,

10 years ago I went bankrupt due my child being in the hospital continuously over 2years. (long story) I didn't work much and ended up in major debt. The bankruptcy trustee was terrible, they missed the discharge date and told me they would have my student loans included. Never happened. (even though I was so close to the 10 year inclusion clause)

My trustee never told me I could go back under hardship, anything. As a matter of fact, never heard from them again. I wrote a letter of complaint to the Superintendent of Bankruptcy who sent me a nice form letter saying they would file in their folder. (not necessarily in those words)

Revenue Canada has taken all my tax refunds, GST credits, etc.. ever since.

I have never spoken with anyone but get invoices regular with interest piling up.

I want to contact them and make arrangements and pay something, although it won't be much but it's ruined my credit for too many years and I'm at my wits end as I don't know where to turn.

Any help or suggestions would be greatly appreciated.

Ruined.

Replies:

Posted By: mr.o
Date Posted: 15/June/2012 at 6:16am

Make sure you get some advice here before you acknowledge that debt....you may end up resetting the statute clock that may or may not be in your favour.Lots of posts here about these things.....see statute of limitations

Posted By: administrator
Date Posted: 15/June/2012 at 6:46pm

If you can afford to make payments, then I suggest you contact John at CFW Group. For a reasonable fee he can research whether the loans are statute barred or not, and if or if not how to proceed. If you call the collection agency or the CRA, they will smell money and start harassing you... best to have someone on your side handling those issues...

Mark

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Administrator
Mark OMeara
Author of Let Go and Heal: Recovery from Emotional Pain
https://LaughSingWrite.com - http://bit.ly/heal2024