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    Posted: 14/March/2006 at 8:14am
If you need intervention assistance, ie help getting collection agents off your back or help with a settlement, Canadastudentdebt.ca recommends contacting John Leblanc at CFWGroup. http://www.cfwgroup.ca There are fees, but they are reasonable and worth the peace of mind.

John is the most knowledgable expert I know who can help. You can also read testimonials in the Recommended Advocates section.

Mark O'Meara
founder Canadastudentdebt.ca

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Newfie Girl 78 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Newfie Girl 78 Quote  Post ReplyReply Direct Link To This Post Posted: 26/June/2006 at 9:59pm

I was wondering that i recently got a house due to paying more for rent that what a mortage would cost. I could not do this myself my mother co-signed for me and she has good credit. I am a single mom of 2 children ans is working, but of couse only relying on one income it is very difficult. Also, i live in newfoundland. I have my federal student loan that went into collection on nov.2, 2001. I heard that once 6 years are up this is written off. They have asked for settlement of 4000.00 on the whole loan of 8000.00. Since december of 2004 i have been making steady payments of 25.00/month. They called me the other day and stated that i would either pay in full or go for the settlement, i could pay 25.00 for 6 months but they stated that they would not offer the settlement again and that once the 6 months is up that i would have to pay the loan in full, or they will garnish my wages, put a judgement and a lean on me or even possible sue.
I am afraid that they will take my house are they able to do this? Should i pay the payments or will it be written off in this comming november when it has been in collection for 6 years.
 
PLEASE PLEASE
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Mad4Brit Quote  Post ReplyReply Direct Link To This Post Posted: 26/July/2006 at 11:44am

My husband has an outstanding Canada Student Loan which went in the hands of a law firm in Ottawa.  For the past two years he has been making payments (minimal) towards the oustanding loan.  We have recenlty applied and been approved for a 2nd mortgage on our house to clear up some debt and do renovations on our house.  It turns out there is a Writ of Seizure and Sale against him registered on our house for this debt.  Which means we cannot register the 2nd mortgage because he has an execution against him.  We attempted to offer to settle the debt with this law firm for about 1/2 of what it is and now they are giving us the run around saying they need to approve the "compromise offer" with their client (the government) and it could take 60-90 days.  Does anyone know if you make an offer do they have to accept it?  I have read on this site a few people have been given an offer by the collector of the debt if they pay it by a certain date (which seems to be relatively quick).  Does it not work if the debtor is making the offer???  We want to clear this up ASAP so we can get the 2nd mortgage...does anyone have any advice.  Thank you

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Post Options Post Options   Thanks (0) Thanks(0)   Quote ZandreBean Quote  Post ReplyReply Direct Link To This Post Posted: 24/January/2007 at 4:13pm
I just settled my student loan- NCO (UHG!!) I owed $27000.00 I offered them $9000.00 They came back with $12000.00 I counter-offered back $10.000 and they took it, under the condition that it be paid with transfer within 1 business day. You must have the money accessable (good thing for parent help).
Zandre
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Post Options Post Options   Thanks (0) Thanks(0)   Quote jeter2 Quote  Post ReplyReply Direct Link To This Post Posted: 07/February/2007 at 12:16pm
Hi there,
 
I have a student loan however my question is regarding a different loan.  I need to know what they being collection agencies can and can't do.  Is it true that if you offer to pay a certain amount every month they can't refuse it??
 
 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote rodent Quote  Post ReplyReply Direct Link To This Post Posted: 19/February/2007 at 12:08pm
I'd like to know the answer to this one too?
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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: 19/February/2007 at 4:16pm
Who do you owe, how much, and what level of income do you earn?

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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Post Options Post Options   Thanks (0) Thanks(0)   Quote kpuddicombe56 Quote  Post ReplyReply Direct Link To This Post Posted: 22/February/2007 at 6:33pm
hi;
I have a question and I dont Know if anyone can answer it for me, I went to college from year  1998-2000 and tonight I got back a official receipt saying that the interest paid on my student loans was 300.00 that I had paid them The principal balance is 13,094.53 I was wondering if I would get the 300.00 back
kimberly Puddicombe
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 22/February/2007 at 9:57pm
No. You can claim that amount of interest paid.

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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Post Options Post Options   Thanks (0) Thanks(0)   Quote kpuddicombe56 Quote  Post ReplyReply Direct Link To This Post Posted: 23/February/2007 at 9:03am
was that message for me johnny i have never posted anything before
kimberly Puddicombe
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 23/February/2007 at 10:34am
Yes, it was intended for you.

You can only claim the amount of interest you paid as an expense, which will help you at tax time. It does not mean that you will recieve that amount as a refund.

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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Post Options Post Options   Thanks (0) Thanks(0)   Quote snarfuffle Quote  Post ReplyReply Direct Link To This Post Posted: 02/March/2007 at 4:13pm
Hi,
 

I've tried to contact John Leblanc at CFW and haven't recevied a response after multiple attempts.  I really need his help and  was wondering if anyone knows how to contact him?

 

Andy

 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 02/March/2007 at 8:06pm
www.Cfwgroup.ca his contact info is there... Are you sure you're dialing the right number?

Mark
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Post Options Post Options   Thanks (0) Thanks(0)   Quote snarfuffle Quote  Post ReplyReply Direct Link To This Post Posted: 02/March/2007 at 9:33pm
Hi Mark,
 
I get the answering machine and have requested help through their website multiple times.  I don't know if John is around but if you can get a hold of him for me that would be great!
 
Andy Ally
 
 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 03/March/2007 at 9:51am
Not sure whats happening... I'll send him this post...

Mark
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Post Options Post Options   Thanks (0) Thanks(0)   Quote aim-hye Quote  Post ReplyReply Direct Link To This Post Posted: 03/March/2007 at 12:29pm
How is that possible?! I just offered 70% of my CLS of $6500 and they won't accept it unless I provide all the information in the world including tax returns for the past three years, and if I refuse they will pursue legal action. Why is it that some people get these offers and others have to struggle along and worse, get bullied into paying the full amount, no reductions. I've been paying for more than 7 years and I'm pretty sure I've paid way more than what they say remains. What gives?
 
Also, does anybody know about a loan going from the collection agency (Accounts recovery corporation) back to Canada Revenue Agency? I filed a complaint with someone at 1-800-667-0135 who just said "complaint department", and I've never heard back on this issue. They requested that I send my settlement offer to them and they would forward it because the collection agency had not. Now it appears I'm dealing with CRA directly and they suggest legal action will be taken. I'm trying to do the right thing and all I want is a break after 7 years of paying through the nose.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Timoteo Quote  Post ReplyReply Direct Link To This Post Posted: 04/March/2007 at 1:53am
Hello,
I spoke with a credit counsellor about collections agencies during a session regarding my loans and was given a fact sheet from Business Practices and Consumer Protector Authority of BC (BPCPA)- their #s are:(604) 320-1667 or toll free at 1 888 564-9963. I have also been advised by a few folks to tape all calls (something the fact sheet also recommends)with collection agencies and to let the caller know that your conversation is being recorded. And too, there is a book called Your Guide to Canadian Law(published by Fitzhenry & Whiteside) that has a blurb on student loans (right after their blurb on collection agencies!) My copy was $24.95; I'm sure a copy is also at a library.
Good-luck,
In the same (leaky)boat,
Tim
tim
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 04/March/2007 at 9:17pm
You do not have to tell the other party that the call is being recorded.

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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Post Options Post Options   Thanks (0) Thanks(0)   Quote NoEnd Quote  Post ReplyReply Direct Link To This Post Posted: 27/March/2007 at 8:10am
Hi~  I'm not in Canada, but I've been getting these bogus(?) "Social Development"  statements lately.  I know the phone number is for the credit agency, not a government office.  I really want to know why the payments I have sent them for the past 3 months are NOT reflected on this statement.  That's a couple of thousand dollars unaccounted for, as of March 2007!   Argh!   I've been through hell with these people, as have many others, I'm sure. 
 
 How can I get the truth about how much I owe??? 
 
 The interest is being tacked on every day, and they're saying I haven't paid in months, which is not true. The cheques I sent were all cashed, made out to the Receiver General of Canada!!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote frustrated-guy Quote  Post ReplyReply Direct Link To This Post Posted: 27/March/2007 at 10:07am

possible suggestion:

write the federal auditor general and ask for an accurate statement of account the shows the actual amount owing.  Tell the Auditor General that you get statements that are wrong and not complete from a non existent department (there is no social development canada, only HRSDC).
 
Here is how to contact the auditor general
 
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