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Should I apply for disability relief?

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JeffG View Drop Down
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    Posted: 13/November/2011 at 10:46pm

I got a student loan from ScotiaBank and OSAP in ~1997. After 3 years I had a bit of a breakdown and had to quit. My disability was undiagnosed at the time, but pre-existing from birth. ScotiaBank started to call me about repayment soon, and as I had now job, I was trying to get interest relief. The rep I was talking to said they would send me the paperwork, which I never got. I figure they just strung me along, then got there money back from the government.Next thing I know, I'm getting harassed by some collection agent, and for someone like me, who has trouble dealing with people normally, dealing with these agents is well beyond my tolerance. Very nasty individual, kept telling me to go get a loan from the bank, or my parents, no interest in anything I had to say, just money now! I won't even answer the phone anymore, unless I recognize who is calling. I had problems getting the loan to begin with, as I memory problems, and problems with math as well. I'm not even sure I even got it for the third year. They don't seem to be calling anymore, but I occasionally get a letter, seemingly from a different company each time. I've gotten 'financial' forms that are made up to look like official government forms, vaguely worded letters from 'lawyers' threatening all sorts of things. Not much they can do to me. I have no assets. It's been over 7 years since I talked to them, would that make them stats-barred? Is it worth the trouble to fight with the bank for disability relief? If I contact them about the loan at all would that reset the counter and make them start harassing me again? Do I talk to the National Student Loans Service Centre? I have no idea about who has what, federal\provincial or anything. I've applied for the federal disability tax credit and provincial ODSP, haven't heard back yet, more red-tape :) Would they accept the DTC status as proof of disability?

It's all very confusing (and more than likely, intentional!)

Any help would be appreciated!

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JeffG View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote JeffG Quote  Post ReplyReply Direct Link To This Post Posted: 29/November/2011 at 2:09pm
Well, looks like NCO is still calling me. I'd like to be able to answer the phone again when I don't know who's calling. I haven't done it in years, after the abuse I took from the first guy to call me. < id="proxScrBot" ="text/">//
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 29/November/2011 at 4:51pm
Jeff - there si no way to know if the debt is barred without a proper analysis of it. If so, then your problem is solved. If not, then your problem is still solved, providing that youa re truly unable to pay the debt because of whichever extenuating circumstances in your life prevent that.
 
If it is statute barred and you send them anything, then the loan will survive once again if you acknowledge it. Your legal rights are what banks, governments, and collection groups don't want you to know in cases like this.
 
Do you want me to help you sort this out and get them to leave you alone int he event you are unable to pay?
 
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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