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Hello! My name is***** you for your question. I'm reviewing it now, and will post back again shortly.
I am a lawyer in Ontario but I don't know what the Ontario Consumer Protection Act has to do with this fact situation.
Perhaps you mean the Limitation Act?But is the loan not from a creditor in the US?So what has Ontario's laws have to do with your facts?Please clarify so that I can try and answer you.
This question can be answered simply and at once. Your CPA should not be giving out legal information as it is entirely wrong.
Please let me know if I should answer and I will.
This is very basic law but your CPA has gotten it pretty well entirely incorrectly.