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

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Forum Name: Collection of Old - Stats Barred - Loans
Forum Description: Post questions about old loans and Statute of Limitations Issues
URL: https://www.canadastudentdebt.ca/forum_posts.asp?TID=7244
Printed Date: 28/March/2024 at 3:47pm
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Topic: How do I know if my loan has been written off?
Posted By: Justang
Subject: How do I know if my loan has been written off?
Date Posted: 10/May/2017 at 10:10am
I had a federal student loan(Canada Student Loan) come due at the end of 2006. I didn't make payments, I avoided the student loan collectors phone calls and letters.

Now, being 10years later, I would assume my loan would fall under the Statute of Limitations on loan collection. I contacted the NSLSC and they informed me I only have a Provincial student loan outstanding which I was aware of and have been paying off. Nothing about the federal loan I once had.

Assuming my loan was written off, I filled my taxes this year and the CRA took my refund to put towards my federal student loan debt...
Is it not illegal for the to collect on that loan now that I have not acknowledged it for over 6 years? And now does the CRA putting my refund towards my loan now constitute as a payment and therefor reset the limitation period?

I read about the government writing off hundreds of millions in student loan debt every year... why is mine still on the books after 10 years??

P.S. - I requested my credit report from Exuifax and it showed no federal student loan information



Replies:
Posted By: Royal-NCO
Date Posted: 10/May/2017 at 2:54pm
Unless you revived the debt somehow, so that it isn't statute barred, there is a high probability that the CRA is in fact collecting on behalf of the province.   What exactly does it say on your notice of assessment about where the debt is being transferred?  In the past, once the debt was statute barred, the CRA seized exploiting their right of set off.  Technically, a limitation issue doesn't stop this right, however.


Posted By: Royal-NCO
Date Posted: 10/May/2017 at 3:00pm
I should clarify that in Ontario there is no statute of limitation for the provincial portion of the student loan after 2004.  I don't know what the corresponding rule is for BC.  Perhaps, Johnny can answer that.


Posted By: SolveStudentDebt
Date Posted: 11/May/2017 at 4:48pm
A limitation issue on a Canada student loan does require liens to be removed for the purpose of collecting income and GST money. 

In a case of an Ontario loan, the lien is supposed to be removed as well when  limitation issue is discovered to be in place. However, loan agreements taken out on or after April 1, 2004 with the Ontario government are not subject to a limitation period at all. Only those that were negotiated before April 1, 2004. 




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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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Posted By: SolveStudentDebt
Date Posted: 11/May/2017 at 4:53pm
The BC government has a unique way of looking at things. The BC limitation law has changed as of recently, but there is still a limitation period. 

Laws are used - and misused as we all know. If a loan is statute barred in BC, it seems as though the government (BC) is still required to extinguish the loan. However, they have, in recent times, been able to use the set-off of income tax money from you as an admission of liability when it is not disputed. You would have to dispute it fairly quickly and not wait though. There is jurisprudence floating around and I have it in my office somewhere. I will look around for it and post it when I am in. 


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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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Posted By: Justang
Date Posted: 11/May/2017 at 6:08pm
Thank you so much for the responses.

Allow me to clarify that I have accepted 2 loans in my past. One calls itself a BC Provincial student loan(which I am, and always have been, paying off). The other calls itself a Canada Student Loan which I assume is federal. They are two separate loans from two separate schools.

The loan in question does not show up under my CSLSC account online, nor when called them to inquire about my loans. ***however they did say that one of my loans was -restructured-?? Something along those lines. I assumed it meant written off. They have no record of it anymore***

My concern now is that the CRA has taken my tax refund and stated "We transferred $****.** of your refund because you owe a debt under the Canada Student Loans program (Employment and Social Development Canada)"

Do I have any rights here to argue this? My loan is well past the time limit of collection. Anymore advice would be greatly appreciated.


Posted By: Royal-NCO
Date Posted: 12/May/2017 at 12:58am
By the way, OP, you made the point about your Equifax report.   There should be no trade remaining on your credit report, unless you made a payment more recently before it fell off.  There MIGHT be a collection for the provincial loan, however that too should have aged off if a limitation issue applies to the provincial portion of your loan.   You might want to look at your Transunion report as well.  There WILL be an entry for your Canada Student Loan.  It will show a 0 balance and show that it has been transferred. This will persist for 20 years because of how the rules work for Transunion.  All negatives have been deleted and therefore it is reflected as a positive trade which persists for 20 years.  However, its annoying because every experienced credit underwriter know what "transferred" actually means.  

 You can get a free online disclosure for Transunion here:
https://ocs.transunion.ca/ocs/home.html" rel="nofollow - https://ocs.transunion.ca/ocs/home.html

Here are a some other free sources for credit report and credit score:
Ratehub : Equifax. Score and credit report provided. I have yet to see it update. It seems to be a one shot wonder.
CreditKarma: Transunion. Credit report and score provided. Updates weekly.
Mogo: Equifax. No credit report. Score only. Updates monthly.
Borrowell: Equifax. No credit report. Score only. Updates every three months. Mogo renders Borrowell redundant in my opinion since Mogo is more regular and same scoring model is used.







Posted By: Justang
Date Posted: 12/May/2017 at 1:34pm
I checked my Transunion report. Royal-NCO, you are exactly right that the balance is 0 and the account has been transferred. I would then assume that the loan does not affect my credit score...

So what does this mean? The report states that there has been no payments since Mar 1, 2009.

This is longer than the statute of limitations, so why has the CRA recently collectied my refund to pay towards this debt? Should I be arguing this? What course of action should I take at this point in case time is a factor?

Thanks


Posted By: Royal-NCO
Date Posted: 14/May/2017 at 10:04am
In theory, it isn't supposed to be negatively impacting your score anymore.  It may even have a positive impact depending on the age of your other credit accounts, by adding to the average age of your credit products.

It certainly looks to me like it should be statute barred unless you've done something else to revive it by writing to them, applying for interest relief, bankruptcy proceeding etc.  However, as Johnny sais, you have no way to be certain unless you have a professional go through the process of confirming that it is statute barred.

I asked you in an earlier post to read your last tax return and find out exactly what it sais about transferring your tax refund to your student loan debt.  What is the exact wording?  I would bet that the refund is actually being transferred to the provincial portion of your loan.  The provincial portion may not be statute barred.  As Johnny said, the BC portion is being revived every year by having the refund applied to that debt.


Posted By: Justang
Date Posted: 15/May/2017 at 10:23am
The exact wording on my tax assessment is:

"We transferred $****.** of your refund because you owe a debt under the Canada Student Loans program (Employment and Social Development Canada)"

That is all it mentions on the matter. I checked my CRA account and it shows the amount transferred to a debt named "Canada Student Loans". The debt is of the full amount of my student loan from 2007 plus some interest.

I do not recall applying for interest relief. I remember looking into the program...

Can you reccomend a professional I can consult on this matter?


Posted By: Royal-NCO
Date Posted: 17/May/2017 at 1:46pm
That does look like your Canada Student Loan.  Therefore, you've either done something to reactivate it in the last 6 years plus 270 days, or the policy about debt setoff when statute barred has been modified.


Posted By: Justang
Date Posted: 19/May/2017 at 8:24am
How can I be sure? I don't believe I have acknowledged the loan in that amount of time.

Who can I consult with about the statute barred policy?

With the amount of loans they write off every year, I don't see why mine wouldn't be one of them...


Posted By: Justang
Date Posted: 31/May/2017 at 6:45pm
Can anyone recommend who I might be able to contact about this matter?tbcyyyyfy


Posted By: Royal-NCO
Date Posted: 01/June/2017 at 5:00am
Hopefully Johnny will step in with an opinion, but my suspicion is that you're in BC where the tax refund setoff reactivates your loan unless you dispute it.  I would have thought this would only apply to the provincial portion, but ...


Posted By: Royal-NCO
Date Posted: 01/June/2017 at 5:09am
Johnny is the only one I know that can perhaps help you with this if he isn't already overwhelmed.


Posted By: SolveStudentDebt
Date Posted: 02/June/2017 at 5:44am
Right now my crew is not taking any new clients for a few weeks at least. Right now we are jammed up to the eyeballs. I can post here from time to time to help out in any way I can, if it helps. I always allot time to post here now and then to help out. 

I would like to hire more people but it is a challenge because a lot of people cannot afford even the smallest amount. The system has people pigeon-holed. 




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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com


Posted By: Justang
Date Posted: 02/June/2017 at 10:15am
It's strange how a tax refund would reactivate my loan. I did not authorize the funds to be allocated to that debt.
Also, the loan had been addressed in over 6 years.
This seems like a disputable matter. I have not acknowledged this loan in 10 years.

Here is an excerpt from global news this February:

"OTTAWA – The federal government for the second year in a row is writing off millions in student loans it will never collect, this time to the tune of $178.4 million.
The money represents 32,554 loans that federal officials believe they will never be able to collect, either because a debtor may have filed for bankruptcy, the debt itself has passed a six-year legal limit on collection, or the debtor can’t be found."

Six year legal limit on collection. Why would I not fall under this category?


Posted By: SolveStudentDebt
Date Posted: 02/June/2017 at 2:51pm
With the feds, a tax return confiscation doesn't reset a clock. The BC government takes that position however, and the only way to combat that would be to file a dispute in such a way that it would not otherwise cause an admission of liability.  Governments have extraordinary powers to do what they want ot do without impunity. It is historic throughout our seemingly scandalous history in this country. 




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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com


Posted By: bladerunner12
Date Posted: 27/June/2017 at 6:55pm
Hi John, Have two questions, I seen a soft inquiry into my credit report by Canada Revenue Agency, what are they looking for as I did not give them permission to do so, What information can they get from it current address and job or do they snoop into my whole report.  Secondly what are the new powers the liberals granted them to look into tax information if anyone here knows. Thanks





Posted By: SolveStudentDebt
Date Posted: 28/June/2017 at 4:49am
The only reason they would be looking at your credit history is if you owe them money for something, and it is not written off or barred. If it is a student loan then you do not have to give them permission to access. It is written in the fine print of the loan agreement you signed. The power of access includes all of whom is responsible (CSLP and their government recovery agent). 

This gives them access to see all of your information that is reported, up to and including address, employer, and who is getting paid and who is not, etc. 

The non-tax office and agency does not have right of access to the tax office and agency data on people. If there is a new bill or law passed I am unaware of it. 


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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com


Posted By: Royal-NCO
Date Posted: 28/June/2017 at 7:59am
Originally posted by Johnny Johnny wrote:

The only reason they would be looking at your credit history is if you owe them money for something, and it is not written off or barred.

I'm sorry, Johnny, but I disagree with this.  I have a creditor ( PRA Group ) that I know with certainty has no legal claim to money from me that continues to make soft enquiries.  


Posted By: bladerunner12
Date Posted: 28/June/2017 at 11:01am
Thanks for the quick reply, I did not know they could do that. The liberals first budget meeting they said that they are giving them new powers to share information with other branches, and they stated tax information in particular. The article was from Feb 2017.


Posted By: administrator
Date Posted: 28/June/2017 at 12:46pm
PRA Group is a collection agency. They might now be the owners of some old debt...

http://www.bbb.org/western-ontario/business-reviews/financial-services/pra-group-canada-in-london-on-17560/reviews-and-complaints?section=reviews&reviewtype=negative" rel="nofollow - https://www.bbb.org/western-ontario/business-reviews/financial-services/pra-group-canada-in-london-on-17560/reviews-and-complaints?section=reviews&reviewtype=negative



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Administrator
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Author of Let Go and Heal: Recovery from Emotional Pain
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Posted By: Royal-NCO
Date Posted: 28/June/2017 at 2:26pm
Originally posted by administrator administrator wrote:

PRA Group is a collection agency. They might now be the owners of some old debt...

http://www.bbb.org/western-ontario/business-reviews/financial-services/pra-group-canada-in-london-on-17560/reviews-and-complaints?section=reviews&reviewtype=negative" rel="nofollow - https://www.bbb.org/western-ontario/business-reviews/financial-services/pra-group-canada-in-london-on-17560/reviews-and-complaints?section=reviews&reviewtype=negative


Yes, exactly.

A couple things happen with collectors

1) Their system is automated, and a refresh of your credit report ( through a soft enquiry ), may be automatically secured, despite debt being long since barred or paid off.  Soft enquiries are harmless, so you can in this case just ignore it.

2) Old statute barred debt may be sold to a company such as PRA Group.  Technically, this debt is still collectable, however not through legal action, and the collector can do a soft enquiry on you.  However, the debt is still statute barred.

My exception to Johnny's comment is only the part about it being still collectable if a Collection agency does a soft enquiry.  Well, maybe and maybe not.  You could fit into 1) or 2) above, and have a debt that is statute barred but still results in a soft enquiry.




Posted By: SolveStudentDebt
Date Posted: 28/June/2017 at 2:37pm
My response to Bladerunner was concerning the government of Canada and no other party. The government of Canada does not view credit reports for debt that is not legally recoverable and written off. As for banks, private agencies, and debt buyers, they don't live by the same rules and code as the federal government does. 

Collection agencies collecting barred loans are not supposed to access though. However, since when do they follow the rules. It is up to the person who they are accessing information on to  file a dispute in the event the access pertains a legally unrecoverable debt. These are not permitted to be reported to a credit bureau. 

 


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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com


Posted By: SolveStudentDebt
Date Posted: 28/June/2017 at 2:38pm
My response to Bladerunner was concerning the government of Canada and no other party. The government of Canada does not view credit reports for debt that is legally recoverable and written off. Error. 

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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com


Posted By: Royal-NCO
Date Posted: 28/June/2017 at 2:41pm
Originally posted by Johnny Johnny wrote:

My response to Bladerunner was concerning the government of Canada and no other party. The government of Canada does not view credit reports for debt that is legally recoverable and written off. Error. 

Thanks for the clarification.  I've never seen an enquiry of any kind from either provincial or federal, however I may be an exception.


Posted By: SolveStudentDebt
Date Posted: 28/June/2017 at 2:41pm
Unrecoverable. Legally unrecoverable. Dead Dang it. 

Let' try this again. 

My response to Bladerunner was concerning the government of Canada and no other party. The government of Canada does not view credit reports for debt that is legally unrecoverable and written off. As for banks, private agencies, and debt buyers, they don't live by the same rules and code as the federal government does. 

Collection agencies collecting barred loans are not supposed to access though. However, since when do they follow the rules. It is up to the person who they are accessing information on to  file a dispute in the event the access pertains a legally unrecoverable debt. These are not permitted to be reported to a credit bureau. 

You can't edit posts when you make a boo boo, Mark. lol Jeeziz. 


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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com


Posted By: bladerunner12
Date Posted: 28/June/2017 at 3:48pm
Thanks for the clarification, I guess that confirms my loan is not barred, but it will be in 3 months and I just got a voicemail from Cra to call themCry. Let the good times roll.


Posted By: SolveStudentDebt
Date Posted: 29/June/2017 at 3:06am
CRA is more active now to catch loans before they succumb to a limitation issue.  The massive write-offs each year affect the government pocket, and that is why you hear more in the news now about CRA tax recoveries, and the more stringent rules and policies they are setting. They have to balance somehow, so they go harder and harder after tax debt to compensate. 





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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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Posted By: noneya
Date Posted: 13/July/2017 at 12:43pm
I have found a lot of helpful information on this site. I am hoping you can give me some guidance. I am helping a friend who has a student loan from 1990. She tried to go back to school in 2013 and was told that she didn't qualify for OSAP due to defaulting on a Guaranteed Student Loan. She received the funds through RBC and it was guaranteed by the Federal Government. To the best of her knowledge she did not make an voluntary payments, and the only payments made towards it were income tax and tax credit seizures. It's not on her credit bureau and as the 1995 Canada Student Loans Act is applicable as it was removed from active recovery in 2000. So the response she received back from EDSC under the HRSDC is that she would need to rehabilitate the loan and make 2 monthly payments to bring into good standing. The original outstanding loan was $2300 and in 2013 it was at almost $9000 with the accrued interest. I'm going to assume the interest is still accumulating. My question is that if it's statute barred and non-collectable, how can this just follow her for the rest of her life? There has to be a way to appeal based on financial hardship. I would appreciate any assistance you can offer.

Thank you,




Posted By: Justang
Date Posted: 19/July/2017 at 8:44am
That is my question exactly. I haven't been able to get a firm answer to this question but my feeling is that one would need proper representation in order to make these debts statute barred. The CRA doesn't seem to just make defaulted loans go away without a fight.


Posted By: Oriromi
Date Posted: 18/February/2018 at 9:15pm
Could you please post the jurisprudence that you were talking about? Thank you!


Posted By: SolveStudentDebt
Date Posted: 20/February/2018 at 5:36am
Jurisprudence on what/ 

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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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Posted By: Hangfly
Date Posted: 28/February/2018 at 9:07pm
Johnny are you and your crew taking any new client's?

My last student loan was in 2001 in Newfoundland. I worked for a few years small jobs, paid back a bit but then joined the military as reservist got PTSD overseas when back to school but only used the interest relief program up to 2011 while in school, no new loans.

Health matters meant I had to leave school in the winter and my loan went into repayment early without my knowledge after the Canadian student loan centre lost my interest relief form in the Fall.I was in such a mess healthwise that winter and ended up living with my parents had no income except some RRSP I unlocked due to hardship restrictions

While I was out sick and should have had a grace period which would have been fine as I was slated to return to full time studies within the grace period and I would have applied again for interest relief one last time and complete my studies but I was not aware or contacted by Canada Student loans until my loan had gone into default without my knowledge and my loans by that time had been forwarded to the CRA for collections who were the first people I heard from.

I was dealing life threatening mental health issues and this did not help the situation. I wanted to declare bankrupty but was told I could not on student loans because by using interest relief program I had restarted the clock. CRA called collecting on behalf of federal loans. They were actually understanding about not working, being sick and have pretty much nil income. My parents let me stay at home and I lived on less than $5000 a year which I got from unlocking some RRSP from my military service and used that to pay for school because at this point did not qualify for student loans even if i wanted to due to above mess.

I had maybe only $500 coming back to me on tax return from cashing out one small RRSP and was told by CRA person over phone that they would be taking that.That was in 2011 and I haven't filed a tax return since because a. I had nil to low income and b. I didn't want to restart the clock. C. I needed that money to live on and if I couldn't have it the hell I was going to let some bureaucrat take it because of this mess with CSL.

Prior to my illness I was a good debtor and served my country but I feel as if I have gotten the shaft by my government!
I haven't filed a tax return since because I don't want to restart the clock. I have only really gotten better finally this year and getting my life on track but still dealing with my illness. I want to file my back taxes to move forward. I know do not owe taxes to the government as my income was to small for most the years only federal student loan debt. I am hoping that maybe my debt is one that the government has written off by now...

So my question is has mý debt been written off or should I wait one more year before filing taxes to avoid restarting the clock. Is there anyone that can advise or help me with this issue?

Thanks so much Johnny


Posted By: SolveStudentDebt
Date Posted: 04/March/2018 at 8:01am
What exactly is t that you want to achieve here? 

If you want to find out if the federal loan is statute barred/written off, or can be written off due to a limitation issue that may be there, then yes, I can. If it is not barred or removable, then what do you want to achieve, if this is the case? 


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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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Posted By: Hangfly
Date Posted: 04/March/2018 at 8:11pm
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. 


Posted By: SolveStudentDebt
Date Posted: 05/March/2018 at 10:59am
Do you require the tax refund as  part of an income that will prevent losses, eviction/disconnection of any service, or health=related issue? 

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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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Posted By: Littlebear0321111
Date Posted: 29/March/2018 at 6:56am
My Canada student loan of $40,000 was written off for failure to collect. My provincial student loans however are still being collected by Revenue Canada. They are taking all of my income tax refunds and G St. Why is it that my federal student loans got wiped out yet my provincial ones cannot


Posted By: SolveStudentDebt
Date Posted: 31/March/2018 at 4:29am
What province is collecting from you? 

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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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Posted By: Littlebear0321111
Date Posted: 31/March/2018 at 4:30am
Manitoba


Posted By: Justang
Date Posted: 31/March/2018 at 8:32am
How did your loan get written off? How old was the loan? Did they try to contact you with threatening collection methods??


Posted By: a.j
Date Posted: 01/April/2018 at 2:06pm
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


Posted By: SolveStudentDebt
Date Posted: 02/April/2018 at 5:28pm
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. 


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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com


Posted By: benjamin.floss
Date Posted: 07/April/2018 at 12:41pm
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!


Posted By: HelloDaisy
Date Posted: 12/September/2018 at 9:17am
Hello
I had a Federal Student loan, which is on my credit report, with a last tranasction date of October 2012. I haven't lived in Canada since then, and had to default due to health issues. I haven't had a job, so I ignored all the letters and contact that I've received since then. However now I have moved back to Canada and have a job and am wondering if this will soon fall off due to the Statue of Limitations. If I don't acknowledge the debt till October, when 6 years have passed since the last date on it, will it be removed from my credit report? When I File taxes for the first time with an income in Canada on it, will they take my refund, even if it's passed the SOL?
If I send a payment to the CRA/ Employment and Social Development in the next month before it's been 6 years, then I will restart the clock, correct?


Posted By: Baxter
Date Posted: 20/September/2018 at 1:22pm
Hi Johnny, I was just curious if getting my Transunion report would alert creditors to me as it seems they have stopped calling.

My other question is since it's now close to 8 years for my bc and fed student loan should I do bankruptcy or wait for them to be written off.

Last and finally, was the question ever answered where if I do my taxes will the bc government take my money and re instate my loan? I was living out of the country for some time and HAVNT filed them.


Posted By: SolveStudentDebt
Date Posted: 25/September/2018 at 3:50am
These are not questions that can be simply answered without some serious thought andd analysis really. It requires some research. 




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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com


Posted By: Sp3nc3r
Date Posted: 29/April/2021 at 6:53am
Hi Johnny. I was wondering if you are taking on any clients at the moment, or will have an availability any time soon? I have a loan in default since 2005 and sent to collections. I am on disability and really trying to get my life together. I can’t rent a place with my Canada student loan lingering on my report. I was recently told by my counsellor it would be best for my health to get into my own place. But it seems very hard when this is looming over my credit.

Any help would be greatly appreciated.

Thank you

S


Posted By: SolveStudentDebt
Date Posted: 26/May/2021 at 10:11pm
You can reach one of us at  https://solvestudentdebt.com/contact/" rel="nofollow - https://solvestudentdebt.com/contact/

Please provide as much detail as you can about your loan and what you want to acheive. 

Johnny 


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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com



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