Wow! You don't think about people who you failed to pay back? You think you are the victim?? My personal opinion: Bankrupcy is a FRAUD! You should be ashamed of your action and greatful for the help that Canadian law is providing. I know your life was/is hard. But I lost lots of money to the person who promised me to pay back, and he went bankrupt. I didn't get even a cent back from him. I bet you don't know how it is to feel like getting a letter saying "your cllaim to this person is discharged (meaning the person is not liable to pay you back even though he/she cleary owes you money)" I now don't trust people and no sympathy for the people like you.