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I am presently living in Alberta. I have been contacted by a collection agency in New Brunswick stating that the payments that I make each month are not enough to cover my $10,000 student loan, (I am sending $50 a month until I can provide more). I have explained to them that I can't send any more than that and they said that they will transfer my collection loan in Alberta, serve me with papers, bring me to court so that way they will be able to garnish my pay. I am pretty much in the hole and was thinking of filing bankruptcy on everything...I started university in 92-94 and then college 95-97. If I file bankruptcy, can they be included?
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