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How do I know if my loan has been written off?

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Littlebear0321111 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Littlebear0321111 Quote  Post ReplyReply Direct Link To This Post Posted: 31/March/2018 at 8:30am
Manitoba
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Justang View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Justang Quote  Post ReplyReply Direct Link To This Post Posted: 31/March/2018 at 12:32pm
How did your loan get written off? How old was the loan? Did they try to contact you with threatening collection methods??
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a.j View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote a.j Quote  Post ReplyReply Direct Link To This Post Posted: 01/April/2018 at 6:06pm
I am wondering the same thing:

I guess I am worried that if I file my taxes they will take my refund and apply it to the loan and I am not
sure if that will reactivate the loan/acknowledge it and start the whole process all over again. I want to find out if my loan can be written off due to the limitation issue. 

My loan is from Ontario and I haven't lived in Canada since 2010 which is the last year I did taxes.  Naturally it was seized, but does that constitute acknowledgement?  I just sent to MTCU in June although I have received no information.  I just saw it when I registered on creditkarma.ca
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Johnny View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 02/April/2018 at 9:28pm
If the Mb government is still recovering, and you want to find out if it is statute barred, then you have to do the research and call them out on it if you discover a limitation issue, or the high likelihood of one.  It is tricky, and you have to be VERY careful in your approach to them on this subject. Best thing to do is hire someone if you aren't sure. 

I am not talking any new cases at this time. 
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 benjamin.floss Quote  Post ReplyReply Direct Link To This Post Posted: 07/April/2018 at 4:41pm
Thanks so much for all the work you do here! I'm in a similar boat, here is my breakdown:

- Studied in Alberta, never completed my degree, but my last date of school was in 2010. 
- I have provincial and federal loans. 
- Provincial has gone to the CBV collections agency and I have never acknowledged the debt. 
- Federal Loans have been removed from the NSLSC (so i have no active loans there), and they said they have been returned to the gov. due to lack of payment. 
- For a short time on the federal loan I applied for the repayment assistance program. I can't remember the exact last date of that but it would for sure go no further than 2012. After that I ceased all communication and they do not have my current contact info (and i no longer live in alberta). 

- I have a record of illness that had me on social assistance for 3 years in alberta, as well as a record of unemployment due to illness. I'm currently working towards getting official diagnosis to be able to have something to "prove" my struggle is real. 

- Have only filed my taxes once, when I was 18. I am 30 now. I don't owe any money, but I know any return I get would be taken for the loans. 

I'm really trying to get my life in order because it's hard enough to live with my health problems without the fear of debt, unemployment, wage garnishing, and my return being denied to me.... 

What i'm looking for is information/answers to:
- Am I legally passed the S.O.L for both provincial and federal?  (i'm pretty sure I am based on your info here)
- *how* do I get a professional to review my case and represent me? Can any lawyer write on my behalf to state the S.O.L has passed and therefor the debt is cancelled? 
- If you are not taking new clients, do you have recommendations for anyone else? 
- What is the process/where do you start to go the route of proving that repayment would pose a significant challenge and detriment to health? 


So much gratitude for your work here!
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