She's with David Sklar & Associates, a bankruptcy, insolvency and debt settlement outfit with 4 branches in the GTA. Her office is next to the Fairview Mall in North York, close to where Total Credit Recovery's head office is located.
http://www.davidsklar.com/pdf/David%20Sklar%20&%20Associates%20Application.pdf
Many debt settlers are ex-collection agents and Raquel sounds like she would fit in well at TCR, Deanna Natale's old alma mater.
Anyhow, the information she gives is alarmist. Wage garnishment procedures are similar in all the provinces but here's the one for Ontario; (See pages 11-13.)
http://www.attorneygeneral.jus.gov.on.ca/english/courts/guides/AfterJudgmentJan08EN.pdf
Wages can only be garnished after a debtor defaults on a court payment order obtained through a judgment. The Wages Act limit is 50% in Ontario, but I doubt many people get that. Even then, certain payments are exempt and the debtor can always ask for a garnishment hearing to lower the percentage in the event of difficult circumstances. Judges would tend to lower it to 10% or less if someone was having a hard time.
The provincial portion of certain student loans don't have an SOL if they went into default (after Jan.1, 1998, in Ont. for example) but they are eligible to be included in bankruptcy discharges 7 years after the student stops being a student (in Ontario). The federal portion is also dischargable
Ray.