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Sued by CRA

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Disgusted View Drop Down
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Joined: 22/February/2010
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    Posted: 22/February/2010 at 7:42am

I have an outstanding student loan from 1997.  I initially paid it on a regular basis until I left my husband in 2000 at which time I just did not have the financial means to make regular payments. In 2003 again I started to make payments of $100 a month for one year.

Last year, CRA hired a local lawyer who sent me a financial evaluation which I completed and returned to him. Based on the financial evaluation it was determined that I could not pay at that time and another evaluation would be done in 6 months. In November, again based on the financial evaluation, CRA determined I could pay $100 a month even though my income/expenses have not changed since the six months prior. I paid the $100 for two months. Last month I had to decide between buying oil or paying CRA. I bought oil.

I received a letter on Feb 2 from the lawyer noting that if payment was not made within 10 days they would commence with legal action. Right now I have 62 cents in my bank account. There's no way I can pay this.
 
Last night in speaking with my boyfriend, he offered to cash in a $5000 GIC to pay this thing off. He said he would do it on the condition that CRA settles for the $5000. Frankly he's sick of watching me throw up everytime I think of this and just wants it gone more than I do. I called CRA today to be told they do not settle student loans. After giving my info to 7 different people I was advised that someone from their legal department would return my call within 48 hours. Meanwhile I'm expecting a summons to appear in court at any moment.
 
I guess my question is, is it unheard of for CRA to settle a student loan? The loan amount is $9000 and I could give them $5000. Unless they are willing to settle, boyfriend is not going to basically give me every cent of his savings only to have me continue to have to figure out a way to give CRA money every month.
 
I have a job. I have a good job. I also have a mortgage, car payment (required for the job), and three kids. I'm not taking elaborate vacations or buying new shoes with my paycheck. I'm scraping by to put gas in the car and buy food for the kids. If I'm taken to court and have my wages garnished I'll have to quit my job because I won't be able to afford my car. If I go on assistance at least they'll give me money to feed my kids and pay rent.
 
Is there anything I can do?
 
 
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walhar View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote walhar Quote  Post ReplyReply Direct Link To This Post Posted: 17/March/2010 at 6:43pm
Whatever happened to this did they accept your offer?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Disgusted Quote  Post ReplyReply Direct Link To This Post Posted: 31/March/2011 at 9:41am
No they didn't. I never heard back from them. I called four different times and was told each time someone from the legal office would contact me in 48 hours. That was a year ago. Today I received a summons from the sheriff's office to pay the full amount or any property I own will be seized.
 
Honestly, I'm just ready to throw in the towel.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 01/April/2011 at 6:20am
Make sure this isnt one of those fake notices that collection agency lawyers have been using to scare people.  Maybe going to court would be a good thing.  Telling a judge you offered to pay and they didnt return your calls doesnt exactly work in their favor. 
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Mark O'Meara

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