This website is a testimony to the problems Canadian Student Loan borrowers experienced from approximately 1996 to 2008 and until their loans were paid off.

The privatization of the Student Loans system by the Chretien and Martin Liberal governments broke the system and defaulted thousands of borrowers who were trying to pay their loans. There were even stories of suicide due to the harassment of borrowers.

Read the report that I prepared back in 2007 here. Canada Student Loans-The Need for Change Fortunately the new Conservative government at the time revamped the program and fixed the system for new borrowers, but borrowers under the previous program were left with ruined credit and continued harassment from debt collectors.

I call on the Canadian Government to apologize to the borrowers affected by this fiasco and make amends.

Unfortunately the Liberal government is again clobbering the Education system with their upcoming changes to International Student Visas. Yes, there's a problem, but instead of a well thought out plan, they have pulled the emergency brake on the train causing a derailment. This has introduced unprecedented instability for both private and public education institutions who serve both international and local students.

Universities can't plan. I've heard of courses being cut because the government has no process in place for universities to send the newly required acceptance letters to the government.

This means that students who have been accepted can not attend courses that start in the summer 2024 semester. With cut sections, current Canadian students will have trouble getting courses, and may have to switch to part-time which changes their enrollment status and might trigger repayment of their loans or ineligibility for funding. I've seen this before. It wreaks havoc on the student loan borrowers.

Again, the Liberal government has messed up the education environment. Will the new system needed in a rush for the acceptance letters be the new Arrivecan scandal?

I call on the government to implement a slower phased in approach and delay the requirement of the acceptance letters until a process is in place to submit these letters.


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Forum LockedWhat is the process of discharge?

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DB View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote DB Quote  Post ReplyReply Direct Link To This Post Topic: What is the process of discharge?
    Posted: 17/November/2010 at 6:31am
I went through a massive bankruptcy in 2007 and discharged in February 2008.  I've been out of School since January 2000, my student loans were not included in the bankruptcy.  My trustee refuses to do anything saying that only a Lawyer can apply for the discharge of my student loans which I have gathered from this forum is false information.

My hardship is that I have lost my job since getting out of bankruptcy and my current payments are less than the interest accumulation on the student debt and have been for more than a year now.  My loans are both Canada and Ontario Student Loans but I've been living in Montreal Quebec for the past 10 years.  In two months I will have been out of school 11 years.

Since the trustee won't do this and since I can't afford a lawyer I need to do this myself.  I have called the superintendent of bankruptcy (which is an answering machine) leaving my name and number and as of today it has been 8 days without any return phone call from them.  I'm calling again today. 

Does anyone here know where I can go in Montreal and to get everything I need to make my own application for discharge?  What forms do I need and how I can go about applying? 

If anyone can help, I would really appreciate it.

Thanks,  
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SolveStudentDebt View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 18/November/2010 at 1:37am
Trustee is full of crapola. You can contact the bankruptcy court in the jurisdiction you filed and have them send you the do-it-yourself kit. If you get stuck on anything you can call me and I will show you how it works.
 
Johnny  
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

solvestudentdebt.com
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DB View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote DB Quote  Post ReplyReply Direct Link To This Post Posted: 19/November/2010 at 3:55am
Thanks Johnny for your reply.  What is the exact name for the do-it-yourself kit?  Here in Quebec, if you don't ask for exactly what you want need, you just keep getting sent into an endless circle of frustration.  
I've described it until I'm blue in the face and I just receive this stupid look on everybody's face.  I can have it within minutes if I just use the right name for the kit.  

Thanks,
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Post Options Post Options   Thanks (0) Thanks(0)   Quote rodeodiva Quote  Post ReplyReply Direct Link To This Post Posted: 16/March/2011 at 4:20am
My trustee said the exact same thing and I am in Alberta.   I have been trying to find out how to contact the bankruptcy court here in Alberta but have not been able to find that information. 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote mommyto4in08 Quote  Post ReplyReply Direct Link To This Post Posted: 21/March/2011 at 6:19pm
My trustee said the same thing and I am in Saskatchewan. Furthermore, the Saskatoon lawyer who was recommended to me by the Sask Bankruptcy Court, apparently because she has a lot of experience and has an excellent success rate at these things, is impossible to reach and does not return calls or emails. It's been over a month and I have given up trying. Anyone know of a good lawyer in Regina, SK?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 23/March/2011 at 2:55am
You can do it yourself. All you need is a guideline that illustrates what you need to provide in your affidavit. If you are experiencing hardship and can demonstrate that you cannot pay the student loan then you put together all your facts. If you want help with that The CFW Group can assist you. The bankruptcy court systems in this country all work with the bankruptcy sector. They also have relationships with the law community and they provide free advertising for their "friends". So, they may try to discourage you from doing it yourself because of this. It should be considered a conflict of interest but hey, what can you do. It is the court and legal system. They are above the law and can do whatever they want to do. LOL
 
How much money do you want to spend getting help doing this?
 
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

solvestudentdebt.com
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persius View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote persius Quote  Post ReplyReply Direct Link To This Post Posted: 03/February/2012 at 2:25pm
Hi Johnny.

I'm in the same boat with my student loan. I've been discharged from my bankruptcy back in 2007 and now I'm having a nightmare with my student load. I'm in Ontario so if you can suggest who to contact I'd really appreciate any help you can provide.

Thank you.
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