Extreme Hardship
Printed From: CanadaStudentDebt.ca
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=6652
Printed Date: 27/March/2026 at 2:02am
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Topic: Extreme Hardship
Posted By: badhairdaylady
Subject: Extreme Hardship
Date Posted: 25/March/2013 at 5:07pm
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I ended my last semester back in April 2007, decided I'd had enough and I wasn't going back, and I was racking up a crazy amount of student loans. I was 2 credits short. In 2011, I took an online course through eLearn to at least get a 2 year diploma, I paid for this myself. I've never been gainfully employed enough to pay my student loans and live at the same time, so of course the debt is being collected by seizing my income tax returns. The provincial portion has been sent to collection to a 'not so nice' agency who all but use loan shark tactics to collect the debt. I faxed them a cease and desist letter demanding that they do not contact me by phone, that has stopped. I live in a very depresses area of Eastern Ontario and there simply are no jobs, I'm over qualified for a lot of the other jobs, so I've been without work for almost a year. I had gone on EI after I got laid off last April, then when that ran out, I went on Welfare. Welfare recipients as a single person, you get $606\month. I borrow every month to make my rent, and have not done groceries in 4 months. I don't eat, I don't sleep, I'm losing weight, and the stress is getting to be too much. I've been in contact with an agent from the HRSDC to give updates as to my situation, and she advised me that I could file a hardship claim to try to get my income tax refund back, which was $1460. I faxed all the necessary papers (income statement, proof of social assistance, 4 months worth of bank statements, rental agreement, rent receipts, proof that I'm having to borrow money to pay my rent) and the answer came back that I was not under hardship. I did contact the MPP's office who ignored my plea for help the first day, after stressing the dire circumstance I'm in, he got some answers, but all numbers he gave me were to make arrangements for payment of the loans. I was a waste of my time. Today, I got a letter from the CRA threatening to take me to court if I didn't make immediate arrangement to repay the loans.
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Replies:
Posted By: badhairdaylady
Date Posted: 25/March/2013 at 5:10pm
| Sorry, didn't mean to send that yet, anyway, if anyone could advise me on what to do, or who to call, or any advise on my situation, it would be appreciated. Getting an education was not a regretful choice, but living in this area and trying to get a job is, unfortunately, there's no way to move to a better area, until I get a job. Seems like a catch-22 situation! |
Posted By: mcjupto
Date Posted: 26/March/2013 at 3:55pm
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alot of girls have driving jobs like delivery/hot shot driver, tow truck, parts delivery, etc. woman are cheaper to insure. |
Posted By: SolveStudentDebt
Date Posted: 29/March/2013 at 8:55am
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Are you able to pay something, or does hardship prevent you from being able to? ------------- 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 |
Posted By: badhairdaylady
Date Posted: 29/March/2013 at 10:26am
| I can't pay anything at all, I'm currently on assistance. Since getting my education, I have never been gainfully employed. The ironic thing is that prior to that, I always worked. |
Posted By: SolveStudentDebt
Date Posted: 30/March/2013 at 5:54am
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Alright. So the way to approach this is to communicate and demonstrate. If you want help it is very inexpensive for our group to do this. It is under $175.00 to help students in thia area. ------------- 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 |
Posted By: badhairdaylady
Date Posted: 30/March/2013 at 11:15am
| No thanks, I can't afford to buy groceries let alone pay out $175 for help that could be tentative at best. |
Posted By: Royal-NCO
Date Posted: 31/March/2013 at 1:12am
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badhairlady, I agree with you. Johnny and Administrator, I have been here for a while and watching what has been going on. Although Johnny's comments are often helpful I am getting very uncomfortable with his regularly pumping himself on this forum while pushing his business. I regularly see posters initiating a thread about how Johnny has helped them, but not a single poster has been a long term member. They all have only one or two posts to their name. Johnny and Administrator, please show me the long term canadastudentdebt members who are happy with Johnny. If I am going to send what will be thousands of dollars his way, if I am going to even pick up the phone and call him, I would like a few credible recommends. I think its only fair. Those of you who are long term posters and have Johnny helping you, please, speak up. I am really uncomfortable with this. Approaching the CRA inappropriatly about my debt could really destroy my life at this stage. Thanks a lot.
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Posted By: Royal-NCO
Date Posted: 31/March/2013 at 1:26am
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Here's a recent example of the low poster recommend. http://canadastudentdebt.ca/forum_posts.asp?TID=6649&title=free-of-student-loan-debt" rel="nofollow - http://canadastudentdebt.ca/forum_posts.asp?TID=6649&title=free-of-student-loan-debt
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Posted By: administrator
Date Posted: 31/March/2013 at 6:59am
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Royal-NCO, Thank you for articulating your concerns. I don't know what the solution would be that would balance Johns contribution to the site. With the nature of this site, there are actually very few long term members. Many people only come and post once or twice. Many just read the info and never post. Running an online forum is challenging and as you see, this thread has now veered off in a direction that doesnt help the original poster (an example of unintended hijacking of a thread) My only suggestion is to take what you like from the site and leave the rest and keep the focus on helping people with student loan problems. Now back to helping BadHairDayLady ------------- Administrator Mark OMeara Author of Let Go and Heal: Recovery from Emotional Pain https://LaughSingWrite.com - http://bit.ly/heal2024 |
Posted By: administrator
Date Posted: 31/March/2013 at 7:01am
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BadHairDayLady, As you will find in other sections of the site, they cant get blood from a stone but they will try. Any idea why your hardship application was rejected? Can you appeal/ HRSDC is known to reject on the first application and then approve on appeal. Talk to the CRA, go over the numbers with them....something must be missing from the information that CRA and HRSDC is looking at. Anyone else have some suggestions for appealing a hardship case? ------------- Administrator Mark OMeara Author of Let Go and Heal: Recovery from Emotional Pain https://LaughSingWrite.com - http://bit.ly/heal2024 |
Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 9:09am
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Fair enough. I will not post here, give advice, or help people here. Is that what you want Royal? People that post stuff here about me in these testimonials are real people who had real problems. If you want free help Royal, go get it.  Find it somewhere. YOu are not going to find it here. Same for you Badhairlady. All I did was respond to a post. If I want to mention that we offer a service that specializes in this sort of solution then I am allowed to do so without flack from any of you, so long as Mark has no issues with it. The problem is that with a lot of people, they expect things like this for free. RoyalNCO, you chant bankruptcy here a lot and you have said you are considering it in other posts, but you are broke. How could you pay those fees then? Seriously. If I am going to work and save someone a lot of time, money, and provide opportunity, there is value in it. You do not walk into a store and grab a loaf of bread and a carton of milk and tell the cashier that you want it but are not going to pay for it. I can help any number of people here but it isn't free. I make that point in every case because a lot of people try to corner our people and push and push and continue to push to do that. ------------- 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 |
Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 9:14am
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Royal - And what is this analysis you have going on here about "low poster activity"? Are people not allowed to post their good news? Does it offend you because someone actually can help people resolve their issues and problems with the student loan and financial communities? Are you jealous perhaps? ------------- 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 |
Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 9:39am
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Now for you Badhairlady, I will offer you something providing you demonstrate to me that you are actually on social assistance (that does not include maternity leave benefits or worker's comp). Otherwise, simply demonstrate your hardship. If it is rejected then it is not a hardship that would warrent removal or closure. If you actually do have a case that is severe with extenuating circumstances, and they reject it, then it is not written correctly. If you are having difficulty presenting it then you can call on me or Heather to help you get it right. If you push me to do everything else for you for free (like so many other pro bono's have done recently and in the past) then I will not continue. I cannot assess your hardship without knowing what you have going on over there. To do that, it will require time. It would require time for anyone to do this for you. If you want someone to give you a guarantee of succss, forget that. No one can guarantee you success or failure. If your hardship meets approval criteria then your chances are great. If they don't but can be further demonstrated, then the chances are still good. If you are just stressed out, not working but you can actually work, and you are employable but not applying yourself, and that your lack of ability to pay and actions in that regard cannot be seen good faith then your chances are nil. So, for those of you who are interested in receiving help in the following areas, we have intervention services, coaching and mentoring, mediation, and workshops for the following matters: 1) Demonstrating hardship to the government of Canada - re Canada student loans, other non-tax-related issues, and tax debt (personal and business) 2) Risk-shared student loan Debt reduction (Scotiabank, CIBC, and RBC) 3) Limitation analysis and discoveries (All student loans except NS and Ontario guaranteed, and tradtional consumer debt) 4) Soluitons for borrowers being sued by the office of Attorney General for Canada, the provincial governments, and banks. 5) Consumer protection 6) First time home-buying prep and navigation Go to http://www.cfwgroup.ca" rel="nofollow - www.cfwgroup.ca to learn more. ------------- 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 |
Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 9:50am
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Royal NCO - You want help too? You pay my hard costs and I will do what you need done. Retainer is required and it's that simple. THen, if ther eis a financial benefit in the end, you pay the rest. If there is no financial benefit in the end, you pay nothing. There is NO threat to you by the government as you seem to fear. This way, you can participate with me while I do this and then you will know. If this doesn't satsify your issues then nothing will, unless someone is willing to go in and do this for free (which would be totally insane). ------------- 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 |
Posted By: Royal-NCO
Date Posted: 31/March/2013 at 11:00am
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Administrator and Johnny, my comments are very relevant to the OP!! I feel for her! Did you not read her response? She's broke and barely surviving. Now, she's expected to come up with another $175 to pay to get out of trouble. This is exactly how I felt years ago. Royal and NSLSC screwed up. My only way out was to come up with a large amount of cash to pay off the interest to buy myself out of trouble at a time when I was broke annd hungry, taking food from the food bank. This is messed up. Broke and struggling ex/students come here for help and discover a man pumping his services, at a price, yet nowhere do I find a credible source that proves that this stranger on the internet can actually help me. I've been let down too many times by "saviours" offering their help. I'm certain the OP feels exactly the same way. This is a bloody ugly messed up system that exploits vulnerable people who don't have the money needed to buy themselves out of trouble. By the way, I mentioned bankruptcy ONCE as a last ditch responce to being backed into the corner by CRA. Please, don't exaggerate, Johnny!
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Posted By: Royal-NCO
Date Posted: 31/March/2013 at 11:08am
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Johnny and Administrator: Please, read her response again. This is how desperate indebted ex students feel. "No thanks, I can't afford to buy groceries let alone pay out $175 for help that could be tentative at best."
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Posted By: Royal-NCO
Date Posted: 31/March/2013 at 11:18am
| I wish you could develop a website like this. It is a highly informative source for people immigrating to Canada. This is a forum of often very knowledgeable people volunteering information and their experiences. http://www.canadavisa.com/canada-immigration-discussion-board/index.php" rel="nofollow - http://www.canadavisa.com/canada-immigration-discussion-board/index.php |
Posted By: administrator
Date Posted: 31/March/2013 at 12:10pm
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The website you mention is run by a law firm, likely with staff and an IT department and an IT budget. I am one person, with no budget, and no staff, maintaining this site by myself. I do the forum upgrades myself when I have the time. You are most welcome to start up your own site and build it and moderate it in your own spare time and on your own dime as I have. You are also advised that every three or four months you will get a suicide posting that you will have to deal with and forward to the police while respecting the privacy laws. Sometimes its a thankless job, and sometimes people ruin my Easter holiday weekend with forum fights. I have numerous times considered walking away from this site because of these petty fights. If you want a website, go build it yourself, and then recruit volunteers. Good luck with that! BTW< I bet you that the forum you mentioned is set up to attract customers to the law firm that runs it! ------------- Administrator Mark OMeara Author of Let Go and Heal: Recovery from Emotional Pain https://LaughSingWrite.com - http://bit.ly/heal2024 |
Posted By: whid
Date Posted: 31/March/2013 at 12:20pm
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Royal NCO - Throwing around insinuation against other members and questioning their validity is shameful. You point to one person - how selective when you consider the hundreds of others who have posted and received help. It is easy to slam other people but please make sure you have hard facts before you tar all of us with the same brush. As for John at the CFW Group, an online forum is an updated yellow pages phonebook. Need help with a problem - call us here. How can you begrudge that? No one is forcing you to visit this site or contact him. As for revealing names of persons, what gives you the right to invade my privacy or any of the other people on this site by demanding such information? Perhaps you should post with your real name, address and account numbers so we may verify who you are. Thank you to John and Mark who have provided so much help to so many people over the years. They don't deserve their motives to be questioned publicly as that hurts careers and reputations. What you do, Mark and John, is appreciated by many who found hope and a new lease on life with your efforts. Thank you for all that both of you do.
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Posted By: administrator
Date Posted: 31/March/2013 at 12:20pm
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If the original poster can not buy groceries how is he/she staying alive? Sounds like exaggeration to me. No money but paid for courses herself. Some parts of the story don't add up.
------------- Administrator Mark OMeara Author of Let Go and Heal: Recovery from Emotional Pain https://LaughSingWrite.com - http://bit.ly/heal2024 |
Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 1:05pm
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Royal, with all due respect, people are always looking for stuff for free. I am not saying she can't afford it. There are a lot of people who are angry at the system, desperate people, and of course some people who just want to screw the system and think everything should be free like they are entitled to it. There are people who know I have the ability to help and they corner me all time. I provide a service and your attitude and behavior towards my offering is somewhat odd. It is like you don't approve of me or my company. If this is the case, talk to Kim or Kerry or Jansen and join the crew of shameful people who are trying to destroy you and i Intelligent people see through that racket and nonsense. RCNCO - Question: Why don't you approach the superintendant of bankruptcy and ask them how they sleep at night charging a fee for a service and often lie to students and consumers? Debt poolers too. Why not approach the Non-Profits who proclaim themselves to be credit counsellors rather than the bank and financial community sponsored debt collectors for a commission they are, and tell them you want them to fix your problem? Maybe call a lawyer or two and tell them that you can't afford to pay $300 + per hour and that they represent a disservice to students and consumers because of that. RNCO, In regards to you and bankruptcy, you chanted it in your opening post or posts. Go bankrupt then if you think it will solve your problem. Or do nothing and hope it goes away. Or seek help. If you don't like that advice then I don't know what else to tell ya. If you want to hang out with clients man, go here: https://www.facebook.com/#!/pages/The-CFW-Group-Inc/122160921144125." rel="nofollow - https://www.facebook.com/#!/pages/The-CFW-Group-Inc/122160921144125. I can hook you up with all kinds elsewhere over the past 12 years. There's thousands of them around! If you want to talk to the VERY small number of people who are dissatisfied with results or because I gave them the boot for screwing the system, giddy up. RCNCO, I just offered you a sweet deal. You pay me a retainer for my hard and out-of pocket costs and if the result is financial benefit to you then you pay me the fee. If you can't afford to do it, like I said before - sorry I cannot help you. You also don't think about value in the financial benefit, which may very well be in the form of closure and removal from recovery. In this case the financial benefit is clear. Right. If you disagree then, with all due respect, I don't wish to help you because then you are a risk to me. I offered Badhairlady a sweet deal too. I offered to help her providing he or she demonstrates to me that social assistance is the only form of revenue, excluding maternity leave or worker's comp, etc. If this is the case then I will lay it all out for him or her and show the way. This pretty much wraps up her case and could potentially solve the problem. She wouldn't have to pay a dime. He ro she can get back to me here. I think it is important for you and everyone else here to recognize that I help the people. So does Mark by providing this site. I am the guy who goes in the trenches with the evils of the financial and government community to makes things right - FOR YOU. I do not work for the system. Treating me like I work for it is pretty bad man. The fees I charge are miniscule as well. That is soon going to change though because pro bono work has cost me a LOT over the years and I only do pro bonos in really urgent situations. Mark this isn't a fight. This is a realization. That's all. It's time to show this community exactly what this audience consists of in respect of both positive and negative attitudes, behaviors, and intentions. There ar eposters here who have openly stated their positions as wanting nothing to do with demonstrating good faith and their willingness to frustrate rather than act in good ways. Whatever beef RoyalNCO is with me, not you. If he is angry or resentful towards me being here then he should write to you privately, don't you think? There are people out there who are attacking me and you all the time. Those are the ones who have no interest in doing what is right and continually look for ways to screw the system. Some of those people who attack us are pretty nasty who will go to any length to destroy someone - even it takes them down as well in the process. You remember the Poly incident, right Mark? As soon as I put my foot down and said no more freebie stuff and going outside of what I initially agreed to do? What happened there? That individual became ENRAGED and went on an online vicious social media campaign to tarnish my reputation and business. This is the kind of stuff that spoils every apple in the good barrel. To this day it is still going on. It is ridiculous. Ball is in your court RCNCO. Same for you BadHairday. My offers of assistance in good faith are right there. Take them or leave them. Mark, good work on the site. Your dedication is quite clear and this is your website. You do this on your own with no financial help from anyone. You inspired me to do pro bono work because of this - and I recognize that. I wish the hell others would as well. ------------- 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 |
Posted By: Royal-NCO
Date Posted: 31/March/2013 at 1:13pm
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"BTW< I bet you that the forum you mentioned is set up to attract customers to the law firm that runs it!"Currently, your website is definately setup this way. Here's the difference. On Canadavisa all information you need to manage your case yourself is FREELY available if you're willing to read the information that is on the site. If you have questions, lots of informed people will answer your questions freely. Some people however would prefer to pay for help, and in that case, they approach the lawyer. In most cases however, you're best off managing your own case since you are most intimately aware of your own circumstances. In any event, I've obviously hit a sore nerve by daring to object to this open and direct approach to Johnny's paid for services and constant reminder that he isn't willing to do it for free. So, I will gladly back off now. It is, afterall, your website, administrator. And no, the OP is NOT exaggerating. There is always the same problem. Pay for basic needs. Sacrifice basic needs to further and complete education. Pay for help to avoid debt, but then you're stuck since how can you claim to be suffering from hardship if you can afford to pay for another course? |
Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 1:14pm
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My interactive company Facebook page: https://www.facebook.com/#!/pages/The-CFW-Group-Inc/122160921144125" rel="nofollow - https://www.facebook.com/#!/pages/The-CFW-Group-Inc/122160921144125 Go see some clients there RC. ------------- 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 |
Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 1:17pm
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Are you going to take the offer or decline? ------------- 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 |
Posted By: Royal-NCO
Date Posted: 31/March/2013 at 1:23pm
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I want to reinforce a point. I object to the lack of information. Most student are educated people. We should be able to access resources for FREE, read, learn, and apply them to resolve our own problems. Obviously, the option should exist to hire a person to do that reading and application for us. Administrator, please help us by pointing us to the resources we need to solve our own problems. Johnny, this is the point you are completely missing. I am NOT asking you to work for free. I am begging for the resources I need to solve my own problems. This informtion shouldn't be held somewhere hidden and locked away where the only way I can get access to it is by paying YOU!!!!!
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Posted By: Royal-NCO
Date Posted: 31/March/2013 at 1:24pm
Not a chance in hell am I willing to be visibile and identifiable online talking about my student loans!!!!
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Johnny wrote:Posted By: Royal-NCO
Date Posted: 31/March/2013 at 1:30pm
| Johnny, why isn't that facebook profile open (at least read only)? Why do I need to identify myself? |
Posted By: Royal-NCO
Date Posted: 31/March/2013 at 1:53pm
Whid, Surprise, Surprise!! In 2011, you were one of those newbie, single posters singing Johnny's praises. What the heck is going on Administrator????? This is exactly what I was objecting to earlier. http://www.canadastudentdebt.ca/forum_posts.asp?TID=6315&title=john-leblanc-cfw-gives-hope-a-recommendation" rel="nofollow - http://www.canadastudentdebt.ca/forum_posts.asp?TID=6315&title=john-leblanc-cfw-gives-hope-a-recommendation
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Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 1:56pm
Lack of information? The intelligence I have is something I worked hard to discover, and tools, worked hard to develop, and strategic plans, worked tirelessly to master. My craft is my craft. Why should I give it to you for free? You have obviously spent a LOT of time and energy researching a possible solution and the dead ends you get frustrate you.
Read the above and see my point. Your car is broken and you need to find a transmission. I am a mechanic and have a transmission for you. You can buy the transmission and do it yourself if you have that knowledge and capability. Or, I will sell you the transmission and put it in your car for you. Orm you can go shop around and see if there is a shop or mechanic that will sell you a cheaper transmission and smaller labor cost, or by some fluke chance give you the transmission and put it in your car for free.
------------- 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 |
Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 2:02pm
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[QUOTE=Royal-NCO]Whid, Surprise, Surprise!! In 2011, you were one of those newbie, single posters singing Johnny's praises. What the heck is going on Administrator????? This is exactly what I was objecting to earlier. http://www.canadastudentdebt.ca/forum_posts.asp?TID=6315&title=john-leblanc-cfw-gives-hope-a-recommendation%5b/QUOTE" rel="nofollow - http://www.canadastudentdebt.ca/forum_posts.asp?TID=6315&title=john-leblanc-cfw-gives-hope-a-recommendation[/QUOTE ]
Royal, you are either paranoid or one of those skeptic troublemakers Whid is a real person, and so is the other one you questioned. Lots of these people are on my Facebook page. ------------- 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 |
Posted By: Royal-NCO
Date Posted: 31/March/2013 at 2:05pm
One thing your missing. There is tons and tons of good free informtation available about cars and the transmission and any other part in the car. With out student loans, we are being denied this information and you're encouraging this, right?
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Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 2:06pm
Man, I don't know what to tell you. You are an adult so do whatever you think is right. I am not going to change anything around just because you want it that way. Other people are VERY comfortable there and have nothing to worry about There are all kinds of student loan issue pages where people join openly. I simply pointed you in that direction so you can get to know me and The CFW Group a little better here. You are a lot of work man. I tell you what. The next client that I provide solution for who wants to write a testimonial, I will tell them to contact you first to get your permission. Would that solve your crisis? ------------- 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 |
Posted By: Royal-NCO
Date Posted: 31/March/2013 at 2:07pm
Paranoid? Johnny, writing stuff on the internet in my own name about my student loan could easilly be argued to be acknowledgment.
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Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 2:09pm
Not it will not. Besides, you don't write your personal details for everyone to see. There are ways to communicate with me privately man. ------------- 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 |
Posted By: Royal-NCO
Date Posted: 31/March/2013 at 2:10pm
Why do I need to identify myself? I don't need to identify myself here.
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Posted By: Royal-NCO
Date Posted: 31/March/2013 at 2:11pm
On facebook? Man, Johnny, educate yourself on this one. Facebook is definately not known for its commitment to privacy of information.
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Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 2:20pm
Cars and mechanics are metaphors. I am not denying you anything. I am simply refusing to give you what I have for free. Transmissions, cartons of milk, loaves of bread, student debt solution. You want it you have to pay for it. Do you disagree with this? Or, should loaves of bread, cartons of milk, transmissions for your car all be readily available by anyone who spent time or money to build, make, produce, or buy themselves? Do you not see how ridiculous your argument is? I mean look, my generous offer is still there to help you out but you are losing my trust that you even want to demonstrate any good faith in it. Seriously. If that is the case and you would rather dig a hole and go under ground then say so. That way I can go have some left-over cheesecake my mom brought over. ------------- 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 |
Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 2:21pm
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Create a dummy account and name it Rumple Stillskin. Problem solved. ------------- 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 |
Posted By: Royal-NCO
Date Posted: 31/March/2013 at 2:28pm
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Johnny, I just spent two years wading through the Canadian immigration system in my effort bring my wife and her mother to Canada. While I learned, I asked questions, but I also answered questions to help other people. In that period of time, I developed considerable knowledge that I now provide freely to others by being a regular forum member. I never paid a penny. Instead, I pay back the help I was given by helping others on that forum. This is what is missing here. The open access to information. The opportunity to take help and then turn around and offer it back to others. There is no desire from other students having solved the problems to come back here and help others. There is only one person, you, asking for money first.
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Posted By: whid
Date Posted: 31/March/2013 at 2:29pm
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Royal NCO - Your ignorance of the internet and of this forum is astounding. Your insinuation of other members without fact or merit borders on hostile. Have you ever heard of someone either updating or creating a new profile due to privacy issues? Have you heard of identity theft? Have you heard of creating more complex sign-ins? Have you ever heard of someone forgetting a sign-in / and / or password and deciding to create a new account? All of these reasons account for profiles that may be new despite the person being on this site for much longer than you care to consider. Did you consider those factors before insinuating my profile is suspicious? You can have all the trust issues in the world and you are entitled to it. However, you are bringing into disrepute other members and the founder / contributor to this site publicly. While I disagree with you, and how you have chosen to communicate about John or Mark and myself, I wish you the best of luck and no doubt, the system has frustrated you greatly. I hope you have better outcomes whichever avenue you choose to pursue.
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Posted By: Royal-NCO
Date Posted: 31/March/2013 at 2:32pm
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You see this is much more useful to students: arm every student with the information they need to avoid the problems. Help and encourage them to help other students. Monopolizing the information like this isn't fair. Administrator, I've read your attitude towards student loans in your "site policy". Well, let's help students. Load them with information. Equip them, and help them to pass that information on to other unwitting students.
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Posted By: Royal-NCO
Date Posted: 31/March/2013 at 2:36pm
Why don't you just make it open? This suggestion is just as logical as an anon account.
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Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 3:12pm
Congratulations. That is awesome. I also help people at no cost. Ask around. Even those I do help with a fee, the financial benefit far exceeds the fee. Unfortunately, it doesn;t look like you are having much luck in the case of your student loan issue. Perhaps you should just take the bankruptcy route so you don't have to spend any more time and effort. But - oh yes, I do recall giving you a fair amount of my time and intelligence concerning how that could potentially be the worst thing you can do if there is a limitation issue, and the loan may survive it. I am an abundance of information on this site. Information is easily accessible. However, you want somneone to do work for you. For free. THere is nothing that information will do to solve your problem. You need to act it out and see it through, and have me spend 40 plus hours working it out for you. I wish you luck and if there is any danger or potential for undermining your own own case with information, advice, or recommended action that is questionable I will certainly continue to give that to you at no cost - as I have from the beginning of your entry. Unfortunately, if you require me to do work for you or develop tools and whatnot, that will have to be paid for. ------------- 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 |
Posted By: Royal-NCO
Date Posted: 31/March/2013 at 3:19pm
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Johnny, How does the OP begin the process of demonstrating hardship? Can you point her to a link that allows her to read about the process so she can help herself? I don't want tools, Johnny. I want information. This is much more powerful in the long run, and it benefits many if that person then turns around and passes the information on to the next student suffering from hardship. |
Posted By: badhairdaylady
Date Posted: 31/March/2013 at 3:24pm
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Oh boy, what a mess I've gotten myself into! Not only in my personal life but in coming on this site hoping to have someone give me some advice or answers! @ Johnny, Royal-NCO, and Administrator, you have all hijacked my original posting. If you need to rant, then you have to do it someplace else! Johnny, I can't afford your $175, Royal-NCO, this is my issue, don't make it yours! I'd like to clarify some things. I am not a kid fresh out of high school, I'm 48 years old, worked hard all of my life while being a single mother, did all the crap jobs, literally! I picked stones in farmer's fields and would come home sometimes smelling of manure, I waitressed, I spent a total of 12 years doing factory work. Finally I'd had enough, thought I'd get an education to make a better life for me and my kids. My current status is single, no dependents, unemployed (and certainly not by choice or that I'm lazy!) 1- My program was prior to 2007. In 2011, I took the online course (because I was working, as a customer service rep, minimum wage!) and completed the 2 year business accounting program. 2- I got laid off from this job (along with 500 others) March 31, 2012. 3- I went on EI until that ran out 6 months later, all the while looking for work, any work, and also registering at every employment agency possible and having 200 applications and resumes out there. 4- The end of October 2012, I went on Welfare. Welfare gives a single person with no dependants $606 per month to pay their rent, utilities and buy groceries. My rent is $725 all inclusive. So every month I borrow to make up the difference. Groceries are the very basics when I get the benefit and credit cheques allowable in Ontario (GST Credit and Trillium Benefit). While working, I was smart enough to stock the cupboard with non-perishables and the freezer with meat and other goods, that's how I've been surviving! 5- I did my taxes after receiving all the necessary documents to file, my refund was $1460, HRSDC took $1154, provincial took the balance. One of the agents at HRSDC (who have constantly been aware of my situation) advised me to file a claim with the Hardship Assessment Unit. I put this claim in on March 2, 2013. 6- In putting this claim in, I supplied Welfare Stubs (3 months worth), a letter from my social services worker, four months of bank statement showing constant overdrafts over those four months, rent receipts as well as rental agreement, two letters from two different people showing that they lent me money over the last four months to cover excess expenses. The excess expenses were clearly outlined in an income statement sent to me to fill out and return to the Hardship Assessment Unit. Lastly, I sent my service provider bill for phone/internet. 7- On March 20th, I received a letter saying that I had been refused because they did not consider me to be in hardship. I phoned them, they said I'm not living on the street, so I'm not in hardship! But they said that if I got an eviction notice from my landlord, or if I got a disconnection notice from my service provider, they would reconsider. 8- That same day I phoned my MPPs office, and got a lot of run around, he's probably making a six figure income, so there was no real effort on his part. End result was a phone call back giving me the numbers for the federal and provincial offices to make arrangements to pay my loans. Waste of time. 9- The next day, I got the disconnection notice from my service provider, faxed it off to the Hardship Assessment unit along with a letter explaining why I was sending it, then I phoned them. I managed to get a different person who would do the reassessment based on the disconnection notice. 10- On March 27, 2013, I got a call from that office stating that my claim had been reconsidered, and that in 7-10 days, I would be sent a cheque for the federal portion they took. They're refunding me based on my services being disconnected, not on the fact that I have to borrow money to pay my rent or that I haven't bought decent groceries in over 4 months! |
Posted By: Royal-NCO
Date Posted: 31/March/2013 at 3:24pm
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For example: Throughout the years there have been many changes to the studen loan program. Do we access to the different student loan acts that apply to the year we borrowed? Are these different acts itemized somewhere? It would be nice if this info were readilly available on this website.
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Posted By: Royal-NCO
Date Posted: 31/March/2013 at 3:26pm
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OP, Here we go. Look here. http://canadastudentdebt.ca/hardshipkit.zip" rel="nofollow -
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Posted By: Royal-NCO
Date Posted: 31/March/2013 at 4:00pm
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"THere is nothing that information will do to solve your problem. " This is utter nonsense. Only with information can one equip themselves with the tools they need to act on their own behalf. Obviously it is the act(s) itself that solves the problem, but without the information once doesn't know how to act. Johnny, if you had first pointed the OP to the resources she needed to begin that hardship application process and then said, I can do it for you for a price, I wouldn't have an issue. Unfortunately, you skipped the information stage and jumped immediately to money. Again, this is the part you are missing. I am not asking you to do any work for me, and definately no work for free. What I am asking for is greater openness with what should be free: information, self help resources. |
Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 4:15pm
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Hi BadHairLady, I will help you demonstrate your case. I mentioned that in a post. ------------- 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 |
Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 4:26pm
Royal, these are government forms. They are generic, but usable. A demonstration of hardship with extenuating circumstances goes WAY beyond governent forms. THey do not protect the borrower. THey serve the government. They care about money and not truth. do you not understand that everyone has their own set of circumstances here? These forms are for those whoa re disabled, cannot work for whichever reason, medically or mentally proven to be unable to hold employment, etc. The demonstrations we do are quite elaborate and are very formal. That, with the financial benefit that follows is what people pay for. Now, enough of your pettiness please. You are going to burn out your welcome. ------------- 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 |
Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 4:27pm
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FYI - the acts that apply are the Canada Student Loans Act and CSLFA. ------------- 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 |
Posted By: administrator
Date Posted: 31/March/2013 at 4:42pm
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Please EVERYONE stop posting a discussion of the running of this site and get back to helping the original poster. Any further posts that are off topic i.e. this topic will not be approved. Those posts can go in Site Feedback if they are relevant... ------------- Administrator Mark OMeara Author of Let Go and Heal: Recovery from Emotional Pain https://LaughSingWrite.com - http://bit.ly/heal2024 |
Posted By: Royal-NCO
Date Posted: 31/March/2013 at 4:44pm
Yes, every case is different, but if you point people in the right direction they read and figure out how it applies to them. They then come back and ask questions. Yes, I know those forms I suppled were not ideal, and I am thrilled that you corrected me. This is what has to happen MORE on this forum. There shouldn't be this feeling of, "I hate to ask another question or Johnny will think I'm looking for another freeby." Some of the questions I have asked, I have asked because I want them to be readible by other students. Some weeks ago we were having a really good discussion about the statue barred issue with another poster (footloose?), but I could feel you weren't too open to discussing it. I learned a heck of lot about that issue, and now have a very good idea which parts of my loans are barred. At the very least, it empowers me when I am confronted by collectors and i have managed to silence one major collector who now admits the loan is barred. This isn't petty, Johnny. Don't just dismiss every case as different. There is some good general information that we can all benefit from, modify, and apply to our own circumstances without paying a penny. This buys time, time that many of us need to raise money so we can afford to pay people like you to actually complete the job fully. Knowledge has equipped me with confidence. Empowering me to get busy at improving my income. I am now in a much better financial position than I was in even six months ago. At this rate, I might actually be able to clear the portion of the debt that isn't barred. After that, I will set to work on clearing the debt that IS barred. OP, I am really sorry for hiijacking your thread, but I am really trying to pull out information that benefits you, me and other students.
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Posted By: Royal-NCO
Date Posted: 31/March/2013 at 4:46pm
| Sorry Administrator, I was writing as you posted your last comment. I did not intend to ignore your request. |
Posted By: administrator
Date Posted: 31/March/2013 at 4:48pm
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BadHairDayLady, sorry that this got hijcacked. Thanks for providing the
additional information. To get things back on track I'll copy and paste
it here. PLEASE ONLY RESPOND TO THIS POST. IF JOHNNY AND ROYAL WANT TO DISCUSS THINGS THEY CAN DO SO BY EMAIL OR THROUGH JOHNNY'S SITE, BUT NOT HERE AS IT IS NOT HELPING THE ORIGINAL POSTER. FROM BADHAIRDAYLADY Oh boy, what a mess I've gotten myself into! Not only in my personal life but in coming on this site hoping to have someone give me some advice or answers! @ Johnny, Royal-NCO, and Administrator, you have all hijacked my original posting. If you need to rant, then you have to do it someplace else! Johnny, I can't afford your $175, Royal-NCO, this is my issue, don't make it yours! I'd like to clarify
some things. I am not a kid fresh out of high school, I'm 48 years old,
worked hard all of my life while being a single mother, did all the
crap jobs, literally! I picked stones in farmer's fields and would come
home sometimes smelling of manure, I waitressed, I spent a total of 12
years doing factory work. Finally I'd had enough, thought I'd get an
education to make a better life for me and my kids. My current status is
single, no dependents, unemployed (and certainly not by choice or that
I'm lazy!) 1- My program was prior to 2007. In
2011, I took the online course (because I was working, as a customer
service rep, minimum wage!) and completed the 2 year business accounting
program. 2- I got laid off from this job (along with 500 others) March 31, 2012. 3-
I went on EI until that ran out 6 months later, all the while looking
for work, any work, and also registering at every employment agency
possible and having 200 applications and resumes out there. 4-
The end of October 2012, I went on Welfare. Welfare gives a single
person with no dependants $606 per month to pay their rent, utilities
and buy groceries. My rent is $725 all inclusive. So every month I
borrow to make up the difference. Groceries are the very basics when I
get the benefit and credit cheques allowable in Ontario (GST Credit and
Trillium Benefit). While working, I was smart enough to stock the
cupboard with non-perishables and the freezer with meat and other goods,
that's how I've been surviving! 5- I did my taxes after
receiving all the necessary documents to file, my refund was $1460,
HRSDC took $1154, provincial took the balance. One of the agents at
HRSDC (who have constantly been aware of my situation) advised me to
file a claim with the Hardship Assessment Unit. I put this claim in on
March 2, 2013. 6- In putting this claim in, I supplied
Welfare Stubs (3 months worth), a letter from my social services worker,
four months of bank statement showing constant overdrafts over those
four months, rent receipts as well as rental agreement, two letters from
two different people showing that they lent me money over the last four
months to cover excess expenses. The excess expenses were clearly
outlined in an income statement sent to me to fill out and return to the
Hardship Assessment Unit. Lastly, I sent my service provider bill for
phone/internet. 7- On March 20th, I received a letter saying
that I had been refused because they did not consider me to be in
hardship. I phoned them, they said I'm not living on the street, so I'm
not in hardship! But they said that if I got an eviction notice from
my landlord, or if I got a disconnection notice from my service
provider, they would reconsider. 8- That same day I phoned my
MPPs office, and got a lot of run around, he's probably making a six
figure income, so there was no real effort on his part. End result was a
phone call back giving me the numbers for the federal and provincial
offices to make arrangements to pay my loans. Waste of time. 9-
The next day, I got the disconnection notice from my service provider,
faxed it off to the Hardship Assessment unit along with a letter
explaining why I was sending it, then I phoned them. I managed to get a
different person who would do the reassessment based on the
disconnection notice. 10- On March 27, 2013, I got a call from
that office stating that my claim had been reconsidered, and that in
7-10 days, I would be sent a cheque for the federal portion they took.
They're refunding me based on my services being disconnected, not on the
fact that I have to borrow money to pay my rent or that I haven't
bought decent groceries in over 4 months!
------------- Administrator Mark OMeara Author of Let Go and Heal: Recovery from Emotional Pain https://LaughSingWrite.com - http://bit.ly/heal2024 |
Posted By: administrator
Date Posted: 31/March/2013 at 4:54pm
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Glad to hear things have been reconsidered and that they finally approved your application. The problem is that although you are speaking to the CRA, alot of the student loan work was actually subcontracted to a collection agency. Sounds like you got a jerk on the phone. I've never heard of having to live on the street etc as grounds for a hardship application. Glad things got approved and that you can finally get some GOOD groceries. I hope you can find more support and help here. Is there any reason why you didn't get repayment assistance under the RAP program? ------------- Administrator Mark OMeara Author of Let Go and Heal: Recovery from Emotional Pain https://LaughSingWrite.com - http://bit.ly/heal2024 |
Posted By: Royal-NCO
Date Posted: 31/March/2013 at 5:02pm
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OP, Are you by yourself again? Have your child(ren) grownup and left home? I ask this because when the CRA questioned me over the phone about my finances, they objected to my rent. They believed that given my circumstances, my rent should be much lower. If you are no longer caring for children, I would wonder if they would expect you to leave your $725 apartment and rent a room. Also, I too was on welfare for a brief period of time, and was forced to move. They wouldn't provide support given my rent at the time. Since you're quoting the rate for a single person, I'm guessing you're by yourself, and I'm surprised they aren't forcing you to move. Didn't you have to provide proof of your tenancy from your landlord? My cynical mind is thinking that they are returning your money so you can reconnect your phone so they can stay in contact with you.
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Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 5:25pm
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The problem with CRA assessment officers and forensic analysts is that they go by empirical data, and do not take one person's circumstances into account. For instance, they use what is called their "food allowance" stats, which allot $50.00 per week to dingle people without dependants. Rent goes the same, where they take the average cost for dwelling, depending on the number of family members you have. It is a ridiculous expectation and assessment on their part. However, if they went by truth they would never collect any money. The way to combat this is to demonstrate EVERYTHING in such a way that pretty much gives them no way to scrutinize. This is why I said every case is unique. Although they claim to treat everyone the same, that is far from the truth. ------------- 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 |
Posted By: SolveStudentDebt
Date Posted: 31/March/2013 at 5:28pm
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BadHairDay, You might want to approach them to see if they will remove the loan due to hardship. That is something wortth looking at if your circumstances are dire enough. I mentioned I would help you organize it and present it. I just can't do it all for you because of the time it takes, and your limited budget. ------------- 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 |
Posted By: badhairdaylady
Date Posted: 31/March/2013 at 6:00pm
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@administrator, not sure how the Repayment Assistance Program could help me at this point. The federal portion isn't subcontracted to collection agencies anymore, however the provincial portion is. The collection agency who is handling the provincial portion of my loan use loan shark tactics to try to collect, horrible people. I finally faxed them a cease and desist letter to stop them from calling me. There has been no further contact from them, not even a letter. These people would phone me up to 6 times a day and told me that rent, groceries and basic necessities were to be disregarded by me and to pay my debt immediately and that I was to borrow money from friends and family to pay it. @Royal-NCO, yes I'm by myself, kids are grown. The question as to the cost of the apartment was brought up not only by the Assessment Unit, but also by the MPP, and my social services worker. Unfortunately, the province has removed all funding to help with moves that was previously alloted. When I moved into this apartment, it cost nearly $2000 at the time, I can't afford to move, but nor can I afford to stay here. The alloted amount for a single person on social assistance is broken down into two parts, one is basic allowance the other is shelter. They allow $326 for shelter cost. You can't put a tent on a rented camping lot for a month for that amount! Living in a room at that rate means selling off all my furniture and appliances that I previously worked very hard for! @Johnny, removing my loan due to hardship? Come spring 2014, it'll be 7 years since I received any student loans, I was considering bankruptcy, but have been advised that it wouldn't be wise. I don't have any other debts, no other loans, car payments, bank payments, credit cards, I don't even have a car or cell phone, I live very simply.
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Posted By: philbain
Date Posted: 01/April/2013 at 1:12pm
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For the record can someone please post what someone has to pay per month and for how long when one declares bankruptcy? Also, can someone please post how bankruptcy can implicate borrowing in the future along with how it can effect career choices ie credit checks when applying for jobs. Personally I think that the general public thinks that bankruptcy is a way to escape debt when in reality it complicates things. When someone cannot afford to pay these astronomical student debts that are coming out to be a scandal between the government and the banks then the people turn to gambling, drugs, prostitution and other things and the stress that it places on families is tearing families apart. This needs to be demonstrated to the government through hardship cases. In my opinion the best line of defense is the statute of limitations not bankruptcy. You will get through this if you take the time to deal with it properly. |
Posted By: administrator
Date Posted: 01/April/2013 at 2:31pm
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The Repayment Assistance Program was a major change to the old Interest Relief. Your loans still cant be in default to qualify, but the general idea of the new program is that no student loan should survive longer than 15 years. The old program was only for 5 years after graduation, then you were on your own. This program provides interest payments and then principle payments in lump sums. If there is any way you can get your loans out of default status you might qualify for this. Did you apply for interest relief? ------------- Administrator Mark OMeara Author of Let Go and Heal: Recovery from Emotional Pain https://LaughSingWrite.com - http://bit.ly/heal2024 |
Posted By: badhairdaylady
Date Posted: 01/April/2013 at 5:38pm
| I was told that as long as the debt is in the hands of HRSDC that there is no interest relief. There is no way to get out of default status as it would take thousands of dollars to do so. For all intents and purposes, I didn't not graduate until after taking that online course in 2011, but not from my original program. |
Posted By: Royal-NCO
Date Posted: 02/April/2013 at 2:33am
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philbain, In contrast with what Johnny said, I am NOT advocating Bankruptcy, in fact I prefer exploiting the Stats Barred option until my income improves and I can save and pay it all back in one lump sum. However, here's a calculator that I found. It shows that our combined income (wife and me) with our one child, would require me to pay nothing monthly for 8 months. http://www.bankruptcycanada.com/BankruptcyTermPredictor.php" rel="nofollow - http://www.bankruptcycanada.com/BankruptcyTermPredictor.php
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Posted By: Royal-NCO
Date Posted: 02/April/2013 at 2:38am
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Actually, it sais I would need to pay the trustee $1800. So, $150/month. OP, I understand your frustration with having to sell your stuff. Trust me, I don't blame you for not doing it. I wouldn't either. However, in bankruptcy, you may need to. I am no expert on this, but there are certain things you're allowed to keep and some you will lose.
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Posted By: badhairdaylady
Date Posted: 02/April/2013 at 4:37am
| @Royal-NCO, doubt I'd have to sell anything in bankruptcy either though, you need a table/chairs, bed/dresser, appliances. Those are basics and that's all I have. |
Posted By: SolveStudentDebt
Date Posted: 02/April/2013 at 7:28am
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If you have a level of equity in a property that warrents examination and liquidation, or an asset worth more than $3000.00 + (or somewhere thereabouts) then liquidation may be required. Lady is correct by which the trustee and estate would not require liquidation of household goods as such. Now, if the items were part of a conditional sales contract whereas they are financed, and that balance unpaid is claimed in the statement of affairs, then the finance company or company that extended the credit may recover their goods if they really wanted to take that position. Usually, secured ventures such as car loans, mortgages, and whatnot are excluded. The purpose of bankruptcy is to dissolve unsecured debt but if a bankrupt has an asset or assets that can be liquidated, the trustee has to follow through. ------------- 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 |
Posted By: SolveStudentDebt
Date Posted: 02/April/2013 at 7:38am
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For example: if you own a car outright valued at 40,000.00. That would be in jeopardy of seizure and liquidation. However, if you have a car loan in the amount of $40,000 then the collateral is protected by the original owner and financer of that asset. Or, let's say if you have a mortgage on a property in the amount of 300,000, and you owe $120,000 on it. The property would be in jeopardy of seizure and liquidation. They are not going to go after your toaster and microave oven. ------------- 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 |
Posted By: badhairdaylady
Date Posted: 02/April/2013 at 7:42am
| I rent, no car, no loans, no liquidatable assets, I own my mismatched furniture, no credit cards, no money in the bank, no investments, RRSPs, savings, inheritances or anything of the like. |
Posted By: administrator
Date Posted: 02/April/2013 at 8:08am
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Regarding interest relief, it is not likely that HRSDC is holding this loan.... perhaps CRA? or a collection agency. You have been given somewhat misleading info. Rehabilitation of loans IS possible if you pay outstanding interest and make some payments. I realize that might be hard for you, but if CRA has grabbed tax returns, those payments might qualify. ------------- Administrator Mark OMeara Author of Let Go and Heal: Recovery from Emotional Pain https://LaughSingWrite.com - http://bit.ly/heal2024 |
Posted By: administrator
Date Posted: 02/April/2013 at 8:11am
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When did you last take a course paid for by student loans? For Bankruptcy, depending on what is determined to be your end of study date, you need to wait 7 years or 5 years for hardship for student loans to be included. ------------- Administrator Mark OMeara Author of Let Go and Heal: Recovery from Emotional Pain https://LaughSingWrite.com - http://bit.ly/heal2024 |
Posted By: badhairdaylady
Date Posted: 02/April/2013 at 8:26am
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Yes, CRA is the one who grabs the tax returns, but HRSDC are the ones I have to talk to when I communicate with anyone regarding the student loans. That's the federal portion; the provincial portion is with a collection agency I've refused to deal with because of their loan shark tactics. Last time I received any student loans was January of 2007, end of semester was April 29 of that year. I did not graduate at that time. Four years later, I completed the online course to get a 2 yr. business accounting diploma at least, there was no loan at that time.
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Posted By: SolveStudentDebt
Date Posted: 03/April/2013 at 5:42am
You certainly do have a case to have the loans set aside by appealing to CRA and HRSDC. I Will help you.  ------------- 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 |
Posted By: badhairdaylady
Date Posted: 03/April/2013 at 7:11am
| Thanks Johnny, you'll have to let me know how to proceed, I have no idea. |
Posted By: SolveStudentDebt
Date Posted: 04/April/2013 at 8:10am
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You contact me. ------------- 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 |
Posted By: badhairdaylady
Date Posted: 04/April/2013 at 9:27am
| Contact you where? I'm assuming at the http://www.cfwgroup.ca" rel="nofollow - www.cfwgroup.ca link you have there? |
Posted By: SolveStudentDebt
Date Posted: 05/April/2013 at 4:15am
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That is correct. :) ------------- 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 |