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I am a Canadian citizen, but I lived in the United States for many years as a permanent resident. In 2001 I was going to school and had a student loan. I did not graduate for reasons that don't matter. I continued to pay on my student loan. In 2011 I moved back to Canada and was able to put my student loan in forebarence a couple times. I then had some financial difficulties and my student loan has gone to collections (Pioneer Credit Recovery). This week they tracked my down at work. They also faxed a form to my employer to verify employment which was intercepted by my Administrative Assistant so I actually have the fax and then they called my cell phone today. I am really starting to panic because I don't know how far their reach is when the debt is in the United States and you live and are a citizen of Canada. It is not that I don't want to pay my debt, but I need to get a handle on my finances. With the exchange rate the payment can be very daunting. I appreciate any advice anyone can offer.