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Help Student loans in collections

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Leela1 View Drop Down
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Joined: 03/January/2018
Location: Edmonton
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    Posted: 09/January/2018 at 12:20pm
Hello everyone I am in dire need of some advise not sure where to go from here. I have 2 student loans one Alberta Student loan that is just over 10,000 and a Canada student loan that is around 20, 000. The Alberta Student loan is registered with CRA and has been sent into collections. The Canada student loan will be sent to CRA in 30 days.
My situation started when my ex partner got diagnosed with MS 5 years ago I just finished school and within 2 years of his diagnosis we had spent all of our savings and maxed out credit in medical bills. His MS is severe and not treatable with current methods. We spent over 100,000 trying natural treatments and treatments in the US. The financial strain caused the relationship to end and my former partner is now living in a nursing home. We have 4 children together I am sole provider as he cannot work. I decided to declare bankruptcy 3 years ago as I was a complete financial mess.  I have only been discharged since last March just under a year due to my finances it took me longer to pay off my trustee they worked with me and extended the time it took me to complete all my payments. My students loans were not included under the bankruptcy as at the time as they were 5 years old. My trustee did not send NSLC my discharge papers and never sent me the papers either after months of back and forth I finally got the papers a few months ago and sent them to NSLC.
 
I have been told by NSLC that I owe almost 4000 in interest on my Canada Student loan I have 30 days to pay it in full or it will go to the CRA.
I am being hounded daily from collections regarding my Alberta Student loan which is now with CRA.
I don't have the 4000 to pay NSLC and I am getting nowhere with my Alberta Student loans.
I am a single parent with 4 kids I am working and make a decent income but after all deductions and paying for crazy expensive daycare I have very little left. I have the opportunity to work an additional job and I figure if I stop driving and start taking the bus with my additional earnings I could start paying 400 a month. But even with this payment I don't think I will get caught up enough to get my loans out of collections.I don't get child support as my ex is not able to work due to his MS he is now in a nursing home and after rent and expenses I am usually in the red and I have no credit options.
 
I am going to speak with a credit counselor this Friday about my situation my student loans are now 8 years old so I want info on whether to see if I can add them under the hardship clause on my previous bankruptcy.
If this is not an option then can I do a consumer proposal so soon after a bankruptcy discharge. I could suck up working an extra job and giving up my car if I know I will be done paying these loans after 3 years.
 
I am so worried CRA will take me to court and sue me and garnish my wages I am barely keeping my head above water and I have very few options.
I don't know what to do any ideas ????
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secondchance View Drop Down
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Joined: 31/January/2018
Location: Vancouver
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Post Options Post Options   Thanks (0) Thanks(0)   Quote secondchance Quote  Post ReplyReply Direct Link To This Post Posted: 31/January/2018 at 3:50pm
I really don't know what to say. I'm really sorry to hear your story. It's heartbreaking. I pray that you find some help soon. 

It is truly bad luck that you didn't wait two years to bankrupt your student loans with your larger loan debt. Also of course bad luck what happened to your partner. 

I wish you the best and will send some positive thoughts your way. 
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administrator View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 03/February/2018 at 8:40am
Your best option is probably trying to include your loans in your previous bankruptcy...
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Mark O'Meara

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