Default Country always US.

I live in Canada and all of my customers are in Canada. However, whenever someone wants to pay with a credit card the default country on the local form is always set to US. I have struggled with this for years and no one has ever come up with a solution. I have seen a number of fixes but nothing works for me. Mostly I turn off the local form and force everyone to click on pay with paypal and have them select credit card payment on the PayPal login form. It is a pain so I would like to use the local form. Has anyone figured this out yet?