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1. Can I file a consumer proposal or a joint bankruptcy (I'm getting different answers depending on the trustee I consult)? 2. Does personal bankruptcy or a proposal affect someone who is a member of a professional order? 3. I would like to know if I can be released from my student line of credit by filing for bankruptcy or a proposal, even if I have a co-signer for this loan. 4. Regarding personal belongings, I saw that there is a form to fill out to declare all our possessions, such as cameras, computers, and sports equipment, so that we can keep them while paying compensation to the trustee. I would like to know how this works and what the compensation is like (very expensive?).

1. A joint assignment or consumer proposal can be joint if certain criteria are met: the debts and assets must be jointly liable.

2. In some cases, yes. Example: lawyer.

3. The endorser will have to pay.

4. The compensation is based on the realizable value.

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