Daniellanne,
This is exactly my situation, I had a variety of osap, cibc, lines of credit visa student loans that i had mismanaged for a while, and allowed them to go into default. My application file was going to be placed on hold because of the default, however, i was able to make arrangements with my creditors, and I gave proof to the Capt. who was handling my file (I filed for a consumer credit proposal to manage mine).