You're welcome, downandout. Some things don't make sense at all. But we just have to grit our teeth and get through it.  I don't have a bankruptcy so I don't know all the intricasies about it. I have a Consumer Proposal, which is a little less restricting, but lasts longer in the payments.

Best thing to do to try to budget and plan every month and read about all the rules so at least you can try to be informed in case of hiccups like car repairs!!

Good Luck through it all. Things will be better when you're all done with it!