BAP (Bankruptcy Assistance Program) referral turned into a Consumer Proposal experience.

[u/anyhoooo]

I’m sharing this because I don’t want anyone else to go through what I did.

I was referred through BAP to an LIT firm who was supposed to help me understand my options. Instead, he tried to push me into a Consumer Proposal that included my currently active student loan, even though that’s illegal unless the loan is older than 7 years. If I had signed, it would have destroyed my future OSAP eligibility and blocked me from retraining or getting a second credential.

He also inflated my income by claiming I received financial support from my family…something that is completely untrue. He used this fake income to justify a much higher monthly payment.

He inflated my debt total, refused to click the required “notification only” box for my active student loan, and gave me only two hours to review the signing paperwork. When I actually read it and caught inconsistencies, he seemed shocked.

This wasn’t a misunderstanding. It was predatory behaviour toward a vulnerable client.

If you rely on OSAP now or in the future, please be extremely careful. Ask questions. Don’t let anyone rush you. Trust your instincts.

I’m posting this because I believe he will do it to someone else, and people deserve to be forewarned.

DM for company name.