Hi guys thanks for the responses. Luckilly I managed to get my trustee on the line today. He confirmed there is no reason it should not have been discharged. I contacted them again and got someone who, at least at face value, wasnt a complete ***hole told me that they have not received a copy of my discharge paper. I faxed it over and hopefully that will be the end of that. Why it took 3 phone calls and almost a week of anxiety to be told that is beyond me.

Beware and be prepared!

I never understood why these other debt relief companies don't return some calls. That’s just terrible business practices. My staff here return all calls within the same day from our clients, regardless if they are active or past clients.

If your student loan debt wasn't included in your bankruptcy, you likely still owe it. It sounds like it wasn't eligible at the time you filed.

I would follow Monty's advice, check out: http://www.ic.gc.ca/eic/site/bsf-osb.nsf/eng/home and see if there's any help available there.

You should find out who the regulators of bankruptcy trustees are in your province.... see what your options are..

As far as the student loan goes... I don't have a ton of experience... but I do know that they are pretty tightly wound up - contract wise.... do you still have a copy of your student loan contract? You should read through it and look at the clauses that talk about bankruptcy and defaulting on payments.

Hi everyone. I declared personal bankruptcy in Sept 2008 after responding to an ad in the paper by my trustee. In July 2008 new legislation was passed changing the amount of time before student loans could be discharged following bankruptcy from 10 to 7 years. I had really good credit when I declared bankruptcy, but I could not get out from under the weight of these loans (min payments were $500 monthly). So at the advice of my trustee I decided to declare bankrupcy on the loans, as I had been out of school for 7 years at the time. 2 of my 3 loans (which were bank loans) were cleared with the bankrupcy. However, my National Student Loan was not. I called them and was told I still have to pay it. I explained the nature of the bankrupcy and asked them to explain why they feel i need to pay this seeing as the law states very clearly that the loan should have been discharged. They were very abrasive and told me that they refused to give me any information, and that I was still expected to pay the loan. They told me I need to talk to my trustee. I have tried now for almost a week to contact my trustee, but for one reason or another he is not returning my calls. I am very unsettled by this. He has always told me though that I would not owe this money. I have searched all over and cant find any indication that I owe this money. What is going on? Am I being bullied? If so what can I do about this?

Thanks for any input.