I have student loans with the government of Canada but I am now attending school in the United States. I have attempted to inform them of my status as a current student but since I have no access to the form they require, they put my debt into repayment status. A couple of years have passed and I was just recently (within the last 4 months) informed that my debt was now long past overdue and sent to collections. I was sent no bills or statement saying that it was in repayment status up until this point. I have attempted to have my loan recalled but it was denied. I am now being constantly harassed by Total Credit Recovery Limited, the government's collection agency. Since I am still a full-time student, I feel that I have not violated the terms of my contract stating that I would repay the debt at a low interest rate after a 6-month grace period of quitting school. The collections agency has threatened to garnish my tax refunds and wages and continues to try to call me at least once a day. From what I understand, they are sending my collection to their litigation department. I am curious whether any of their actions can affect me here in the States. I am not concerned about my Canadian credit score or tax refund as I have no income there. I do believe that it is important to repay my debt in the terms of the contract I agreed to, and will do so, but am unable and refuse to repay it at this time.They have also threatened to contact my employer here for repayment? Is this possible or legal? Thanks for your help.