Hello Jiggins,
I'm not sure if you still having troubles with collection agencies. But if you are and need some help with your debt. My company will provide a free consultation on your situation and may be able to help you walk away from the debt completely, depending on which one(s) you borrowed from.
Give me a call at 1-866-873-6222 or email me at info@occa.ca
Just mention you heard about OCCA on Canadian Money Advisor
OCCA.CA