My story is very similar to many on this board.  I decided to return to school in my late twenties.  For this I took a loan from CIBC that was well under CAD $10,000.  It was intended to help me live for a year without work as the course I took was so intensive it would have been impossible to work during that period.  After finishing school I found it difficult to find work and the bills started to add up very quickly.  I had never been in this position before and was overwhelmed by debt.  I eventually went through bankruptcy and left the country to live in my new wife’s home land in Europe.  I still had this one student loan on my shoulders and upon return to Canada in 2003 intended to begin making payments.  NCO Financial didn’t give me a chance to do the honorable thing.  As soon as I collected my first paycheque they were on my trail and so the harassment began for the following year and a half.  I will spare you the many and varied tactics used to take money that I did not have.  Suffice it to say I will forever hold a grudge and will not forget this experience.  I will use my voice and the written word wherever and whenever possible to expose the injustices that exist within this system.  I will also use my voice to suggest the assistance of people like John LeBlanc who exist to aid the many people who end up in situations like mine.

I finally settled the account a few weeks ago.  I had discovered this site recently and found immense comfort in the fact that so many others were having or had shared my experience.  In particular I came across the name John LeBlanc repeatedly.  I was at first suspicious due to the what I had been through but when NCO Financial agreed to a settlement offer I wanted everything to go through smoothly so I called and requested John LeBlanc's help. He immediately phoned the latest NCO rep that was harassing me and set the rules straight.  Later he took over Power of Attorney and was provided a copy of the contract I received.  Even at this late stage in the game I am so happy to have had John on my side. My greatest fear was that NCO would renege on the deal and take my settlement as a payment.  I had witnessed the tactics of these snakes first hand for such an extended period of time and was sure they had further tricks planned.  John walked me through the final laps of what has been an exhausting year and a half of my life.

I only wish that I had contacted John LeBlanc earlier.  His fee is miniscule compared to the relief that comes from having a man of his professional experience on your side who is quick to go to bat for you.  I really feel that he is one of those good people who understands the tricks of the less honorable and can play them and beat them at their own game.  He is also very good at helping to put many of the fears relating to this experience to rest.  I also am hoping to begin to rebuild my credit and will confer back to John for suggestions.  He has a wealth of knowledge.

I arrived back in my home and native land with my wife of new Canadian Citizenship with full intentions of settling this old debt. NCO Financial and the institutions that support and tolerate such establishments made me embarrassed to call this country home.  John LeBlanc went a long way in helping me regain some dignity in the place I would like to continue to call home.