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I'm not sure if I am posting in the right area, however, I filed for bankruptcy almost four years ago and was discharged. I had not been out of school for 7 years so my loans were not included in my bankruptcy. However, my trustee applied to the court to have them included under the hardship provision when it reached 5 years. My loans were all completely discharged by the court. I had loans with Scotia Bank, and with Canada/Ontario integrated. About 8 months back I started receiving calls from a collection agency about my Ontario potion. I sent them the court order indicating my loans have been discharged under hardship. I sent it to them twice. My trustee sent the information to them after the proceedings. I even spoke with NSLSC about a year ago and they confirmed that my loans had all been discharged. Fast forward 8 months and I get a letter stating that my tax returns, and any gst I am entitled to, will be used to pay off my outstanding student loan an the same collection agency is contacting me again. They said no one ever received a copy of my discharge order. So I have sent it again - this time by email to the person I spoke with. How many times must I send it?! And when does it stop? I have just started to get my credit back on track and I am trying to rebuild my life. I am working 3 jobs just to scrape by. Filing for bankruptcy was one of the hardest decisions I have ever had to make, but my mental health was suffering due to financial stress. I don't want the unneeded stress again. Is there anything else I can do to make them go away? Any suggestions would be appreciated from anybody who has had similar experiences. Thanks.
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