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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    Posted: 27/April/2016 at 1:09pm
HELLO,

I am hoping someone can PLEASE help me!! I have old unpaid Federal/Provincial Student Loans from 2004, I am not understanding Stats Barred.  I haven't paid on these loans since 2007 I avoided them for years due to finacial hardship and complications with my daughters health I just didnt have it in me to fight them.  I recently went to purchase and trade in my 2005 Jeep Grand Cherroke worth less than $5k, to find out that there was a Writ of Enforcement on my vehicle.  

They have since been harrasing the dealership that I was purchasing a vehicle from for a copy of my application, I phoned them to see what was going on and she said that I have to make payments on my student loan (pretty much bullied me into making a payment arragement, I never signed anything or made a payment yet) I keep seeing that unless they have something in writting or I have made a payment they can not take leagal action againts me. 

Can someone please clearify if I am past the statue of limitations, the judgement was passed on me on March 2012. and if the dealership is breaching privacy by providing her with any information on my new loan, they sent them an old copy of a Canada Student Loan Agreement from 2004. These loans were in Alberta

Please I have to make a payment by May 1, 2016 or they said they will take my brand new truck, freeze my bank accounts and take the jeep I am scared and cant seem to find any help.Ouch
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Post Options Post Options   Thanks (0) Thanks(0)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 29/April/2016 at 5:07pm
The collection agency may be trying to trick you into making a payment so that you lose your statute barred status.

I'd suggest you call consumer affairs.   Why is there a deadline of May 1st ?  Who told you that?
They may just be trying to put pressure on you to give a false sense of urgency.  
Is the writ a legal document? Who is it issued by?

Perhaps you need some advice on this.  Do they have a pro-bono law clinic?


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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 30/April/2016 at 7:46am
You sent me an email I believe asking for urgent help and I responded to you. 
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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Post Options Post Options   Thanks (0) Thanks(0)   Quote StudentFailed16 Quote  Post ReplyReply Direct Link To This Post Posted: 01/May/2016 at 6:10am
Hello

The person I am dealing with telling me the payment has to be made by May 1, 2016 is actually from the Department of Justice Canada. 

The writ is by Justice Canada as well. 


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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 01/May/2016 at 6:34am
If the DOJ has issued the writ then it is a legal proceeding you are facing.  Just because you haven't paid since 2007 it doesn't mean that your loan is barred.  Nonetheless, if there is a judgment in place as of 2012 there is certainly no limitation issue in your favor. 

If you do not own the truck or vehicle then they cannot take it.  Your Jeep is not worth enough for then to justify and Cost-Benefit the action. The only thing they can do is attach wages (garnish) or freeze a bank account if they know where it is that you you do banking, and an actual account #.  

You need to handle this the right way to protect yourself. I can offer you that help but it is a service and not free.  It is not a simple project, and advice is not going to fix it for you. There are several things you can do but you you are the one who owes this money. Therefore, they are going to do and say thin gs that will force you to do things that may even be financially damaging to you. They don;t care about you. They just want the money, and it is a government with a lot of power, and "human" reason to do so, which means there is also financial benefit (and incentive) for government agents. 

Best of luck! 


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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Post Options Post Options   Thanks (0) Thanks(0)   Quote StudentFailed16 Quote  Post ReplyReply Direct Link To This Post Posted: 01/May/2016 at 6:46am
Hi Jonny

Thank you for getting back to me, I would really like to pay the debt off as yes it is my debt and I own that without doubt.  I just want to know if I am making payments $300/Month can they still take credit action againts me? 

I just want to protect myself while paying the debt, how can i go about hiring your services to help me?

Thanks, 


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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 01/May/2016 at 6:59am
If there is a limitation issue then you would be undermining your own case if you do so. This is what they do - trick people into admissions by enticement or the usual collection pressure tactic. Enticement comes when you resist or work towards overcoming them to loosen their grasp on you and the situation. 

This is what CFWG Inc and Solve Student Debt helps people like you you with.  It is specialized, cost-effective, and accessible anywhere in the world where you may be, US or Canadian.  you can go tot he site and schedule an assessment or you can call 866-239-7889 tomorrow and schedule one. Pretty simple. 

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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Post Options Post Options   Thanks (0) Thanks(0)   Quote StudentFailed16 Quote  Post ReplyReply Direct Link To This Post Posted: 01/May/2016 at 10:08am
Alright, I will not make the payment until I speak with your team tomorrow!

Thank you!
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