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what are the chances?

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kennerman View Drop Down
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    Posted: 11/February/2019 at 8:53pm
Hey guys. After a long slog I managed to pay off my Federal student loan through last year's Income tax return, they even sent me the remaining $32 left on my return.

My question is, after not hearing from the province about their portion of the loan owed in about 10 years , never being asked for money whatsoever, what are the chances that the government takes my tax return to pay the provincial portion, even after issuing me a small refund last year after the federal portion was paid?

Thanks for any advice.
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kennerman View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote kennerman Quote  Post ReplyReply Direct Link To This Post Posted: 11/February/2019 at 10:00pm
I should add that I have no contact with anyone regarding the Provincial portion of the loan in at least 10 years and have not been threatened with action regarding the provincial portion, only the Federal portion which has since been paid/
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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: 12/February/2019 at 3:29pm
f the provincial government you owe has an active recovery file then they can flag it and off-set. It's in the federal rule book that applies to set-off to the provincial portions of student loans. 
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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kennerman View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote kennerman Quote  Post ReplyReply Direct Link To This Post Posted: 12/February/2019 at 3:48pm
Can I safely call the CRA and ask if there is a lien for offset? they have not taken any taxes for the provincial portion nor gst as of yet, and never made any real effort to collect in about 10 years.
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kennerman View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote kennerman Quote  Post ReplyReply Direct Link To This Post Posted: 12/February/2019 at 3:59pm
I have no idea why whichever collection agencies has the  Ontario portion of my student  has not bothered to contact me as I know, there is no limitation issue, and I haven't moved. 
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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: 20/February/2019 at 6:01pm
That is entirely up to you. I can't say it is safe as it applies to whether or not you will stir something up. If you want to know something you have to call and find out. That is the reality of the situation. All I can do is inform you of the risks in doing one thing or another unless you are a client of ours. 

The general rule is that this is a Canada student Loans Program issue and those who are involved in the lending process do communicate with one another. So, it is a "do at your own risk" type of matter. 

I would do it for you but you must be client and there is a cost for our time in doing these things. We minimize risk by ensuring that all is done in good faith and that expectations are are set and managed with them. 


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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kennerman View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote kennerman Quote  Post ReplyReply Direct Link To This Post Posted: 25/February/2019 at 2:51pm
Got my tax return without any problem strangely. 
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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: 28/February/2019 at 3:57pm
That's good! If you owe provincial and they have right to hammer a set-off requirement to pay then they can at any time. That's all you need to think about really. So, if there is no right for them to, then they cannot. 
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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kennerman View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote kennerman Quote  Post ReplyReply Direct Link To This Post Posted: 28/February/2019 at 5:38pm
Thanks, it was a big relief this year. I may be contacting you in the future, to inquire about the status of the debt as my financial situation has improved slightly however, for now it's just a relief to get a bit of money.
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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: 01/March/2019 at 5:24pm
Yes I can imagine. If you want the GENERAL limitation examination done on your federal (Canada) student loan over at www.solvestudentdebt.com it is not expensive. $230.00 is the average cost, including tax and people dig that. If/when you want that done just go to the free assessment on the site and send away. Make sure you state on it that you want a limitation examination of your federal loan. 

Take your time and absorb it all. Holler when you ae ready! 
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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kennerman View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote kennerman Quote  Post ReplyReply Direct Link To This Post Posted: 07/March/2019 at 6:34pm
Sadly this is the provincial portion (ontario), I have never made a payment in the  12 years, the Federal portion is paid off. It only started at like 3k so I might just try and pay it off if it hasn't been miraculously forgiven
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