');--thumb-size:3.5rem;--thumb-radius:50%;--thumb-border-color:var(--white);--thumb-border-size:2px;--focus-width:var(--thumb-border-size);--focus-color:transparent;--border-width:2px;--border-color:var(--white);--divider-width:2px;--divider-color:var(--white)}@media (max-width:767px){:root{--grid-two-col:repeat(auto-fill,minmax(280px,1fr));--grid-auto:repeat(auto-fill,minmax(280px,1fr))}}*,:after,:before,html{box-sizing:border-box}html{font-size:62.5%;scroll-behavior:smooth;scroll-padding-top:180px}a:not([class]){text-decoration-skip-ink:auto}img{max-width:100%;height:auto;display:block}button,input,select,textarea{font:inherit}@media (prefers-reduced-motion:reduce){*,:after,:before{animation-duration:0s!important;animation-iteration-count:1!important;scroll-behavior:auto!important}}[x-cloak]{display:none!important}body{font-family:var(--font-family);font-size:1.8rem;font-weight:400;line-height:1.4;color:var(--body-text);text-rendering:optimizeSpeed;min-height:100vh}h1,h2,h3{font-family:var(--font-family);font-weight:700;line-height:1.3}h1{font-size:var(--h1)}h2{font-size:var(--h2)}h3{font-size:var(--h3)}header{padding:0;flex-direction:column;display:flex;position:sticky;top:0;width:100%;z-index:999}header .container{display:flex;flex-direction:row;align-items:center;justify-content:space-between}.header-logo{display:flex;width:150px}.main-nav li{display:flex;align-items:center;color:var(--body-text);font-size:1.8rem}.main-nav .menu{display:flex;list-style-type:none;padding-left:0;margin:0}.main-nav .menu a{padding:10px 20px;text-decoration:none;color:var(--brand-color-4)}.main-nav li .sub-menu{position:absolute;display:flex;flex-direction:row;top:100%;left:0;background-color:#fff;width:100%;padding:40px;border-radius:0;box-shadow:0 10px 15px -3px rgb(0 0 0/0.1),0 4px 6px -4px rgb(0 0 0/0.1);gap:50px;transform:translate(0px,0px);opacity:1}.main-nav li .sub-menu li{font-size:1.8rem;color:var(--body-text)}.main-nav li .sub-menu li a{color:var(--body-text)}@media (max-width:992px){nav.main-nav{display:none}}.mobile-menu{display:none}.mobile-menu__background{width:100%;background-color:rgba(0,0,0,.5);position:fixed;z-index:999;height:100%;top:95px;left:0}.mobile-menu__panel{background-color:var(--brand-color-4);position:fixed;top:95px;bottom:0;right:0;width:480px;max-width:100%;padding:2rem 0;z-index:999;display:flex;flex-direction:column;align-items:start;justify-content:start;overflow:scroll}.mobile-menu__close{position:absolute;top:.5rem;right:.5rem;display:none;padding:.5rem;border-radius:4px;color:var(--black);border:1px solid var(--black);background-color:rgba(0,0,0,0);z-index:999}.main-nav-mobile ul.menu{list-style-type:none;padding-left:0;margin:auto;position:relative;display:flex;flex-direction:column;align-items:flex-start}.main-nav-mobile li{font-size:1.8rem;color:var(--body-text);position:relative;display:flex;flex-direction:column}.main-nav-mobile li a{display:flex;align-items:center;padding:10px 0;color:var(--body-text);width:fit-content;text-decoration:none}.nav-search-wrapper{display:flex;align-items:center;gap:var(--content-gap);margin-left:auto}.search-wrapper__form{width:fit-content;justify-content:center;align-items:center;display:flex;border:1px solid var(--brand-color-4);flex-direction:row}.mobile-menu__trigger{position:relative;display:flex;flex-direction:column;align-items:flex-start;padding:0;background-color:var(--white);border-radius:0;border:none;gap:5px;z-index:9999}.mobile-menu__trigger-lines{--line-width:3rem;display:block;width:var(--line-width);height:.3rem;background-color:var(--black)}@media (max-width:992px){.mobile-menu{display:block!important}}section{padding-inline:var(--sec-pad-inline);padding-block:var(--sec-pad-block)}.container{display:flex;flex-direction:column;width:100%;max-width:var(--container-width);margin-inline:auto;align-items:flex-start;gap:var(--container-gap)}a{color:var(--brand-color-1);text-decoration:none}.btn{color:var(--button-text-color);background-color:var(--button-color);padding:var(--button-padding);border:1px solid var(--button-color);border-radius:var(--button-border-radius);display:inline-flex}form,.gform_wrapper{width:100%}.gform_wrapper.gravity-theme .ginput_container input[type=text],.gform_wrapper.gravity-theme .ginput_container input[type=email],.gform_wrapper.gravity-theme .ginput_container input[type=tel],.gform_wrapper.gravity-theme .ginput_container textarea,.gform_wrapper.gravity-theme .ginput_container select{font-size:1.8rem;padding:2rem;color:var(--body-text);background-color:#fff;border:1px solid #d4d4d4;border-radius:0}input[type=submit],::-webkit-file-upload-button{color:var(--button-text-color);background-color:var(--button-color);padding:var(--button-padding);border:1px solid var(--button-color);border-radius:var(--button-border-radius);height:100%}::-webkit-file-upload-button:hover{color:var(--button-text-color);background-color:var(--button-color);padding:var(--button-padding);border:1px solid var(--button-color);border-radius:var(--button-border-radius);opacity:.9}.back-to-top{padding:.5rem;background-color:#d3d3d3;position:fixed;display:flex;right:1rem;bottom:2rem;opacity:0;z-index:9999999}.back-to-top__icon{width:4rem;height:4rem;fill:currentColor}.screen-reader-text{border:0;clip:rect(1px,1px,1px,1px);clip-path:inset(50%);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute!important;width:1px;word-wrap:normal!important}.header-top{display:flex;flex-direction:row;align-items:flex-end;justify-content:space-between;width:100%;padding-block:20px;padding-inline:var(--sec-pad-inline);background-color:var(--white)}.header-bottom{padding-block:0px;padding-inline:var(--sec-pad-inline);position:relative;background-color:var(--brand-color-1)}.header-bottom .main-nav--secondary{max-width:var(--container-width);margin-inline:auto}.main-nav--secondary .menu{justify-content:space-between;position:relative}.menu-intro{max-width:300px;padding-right:50px;display:flex;flex-direction:column;align-items:flex-start;border-right:1px solid var(--brand-color-2);gap:var(--gap)}.menu-intro_heading{color:var(--brand-color-1);font-size:2.4rem}.menu-intro_txt{color:var(--body-text)}.menu-intro_a{display:inline-flex!important;padding:0!important;color:var(--brand-color-2)!important;position:relative}.main-nav--secondary ul{padding-left:0}.main-nav--secondary .sub-menu ul{display:flex;flex-direction:column;width:100%;gap:.4rem}.menu-related-links-wrapper ul{width:22%;max-width:280px}.main-nav--secondary .menu{justify-content:space-between;position:relative}.main-nav--secondary li{width:auto}.menu-intro_a span{color:inherit!important;padding:0!important}.menu-intro span{display:inline!important}.menu-related-links-wrapper{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:var(--grid-gap);width:100%;align-items:start;align-content:start}.width-10-perc{width:100%}.search-wrapper__btn{border:none;background-color:transparent;padding:0}.tel-wrapper_icon-wrapper{display:flex;width:3.5rem;height:3.5rem;background-color:var(--brand-color-2);align-items:center;justify-content:center;border-radius:50%}.tel-wrapper_a{display:flex;align-items:center;gap:var(--gap)}.search-wrapper__btn span{display:flex}.search-wrapper{display:flex;margin-right:3rem;position:relative;align-items:center}.main-nav--secondary .menu a{padding-block:1rem}.sub-menu_headings{font-weight:600;margin-bottom:1rem}.tel-wrapper_a{color:var(--brand-color-4);font-weight:600}.search-wrapper__search-button{border:none;background-color:transparent;display:flex;padding-block:0;height:29px;align-items:center;justify-content:center;border-left:1px solid var(--brand-color-4)}.search-wrapper__open-span{display:flex}.search-wrapper__input{border:none;display:flex;align-items:center;padding-left:.6rem;padding-block:.2rem}.search-wrapper__panel{position:absolute;right:100%;z-index:9999;background-color:var(--white)}input::-webkit-search-cancel-button{-webkit-appearance:none;content:url("/wp-content/uploads/close.svg")}a.cp-box{display:flex;flex-direction:column;gap:var(--content-gap);width:100%;padding:2rem!important;background-color:var(--brand-color-2);color:var(--white)}.cp-boxes{display:grid;gap:var(--content-gap)}.cp-box svg{min-width:3rem;min-height:3rem}.flag-menu{display:flex;flex-direction:row;gap:var(--gap);align-items:flex-start;align-self:stretch}.flag-menu_img{margin-top:.4rem;width:2.8rem}.flag-menu a{padding-top:0!important}.menu-related-links-wrapper .flag-menu ul li:not(:first-child):before{content:"-";color:var(--brand-color-2);position:absolute;top:0;left:0}.menu-related-links-wrapper .flag-menu ul li:not(:first-child){position:relative;padding-left:1rem;font-size:1.6rem}.menu-related-links-wrapper .flag-menu ul li:first-child{font-weight:500}.qa-mm{display:flex;flex-direction:column;gap:var(--gap)}.qa-mm_heading{font-size:1.8rem;color:var(--brand-color-1)}.qa-mm_txt{font-size:1.6rem}.sidebar-form-wrapper .gform_required_legend{color:#fff;font-size:1.4rem}.sidebar-form-wrapper .gfield_required{color:white!important}.accordion{width:100%;display:flex;flex-direction:column;max-width:100rem;margin-inline:auto;gap:var(--content-gap)}.accordion__btn{width:100%;background-color:var(--white);border:none;border-radius:1rem;display:flex;justify-content:space-between;padding:2rem;box-shadow:0 20px 25px -5px rgb(0 0 0/0.1),0 8px 10px -6px rgb(0 0 0/0.1);align-items:center;gap:1rem}.accordion__heading{font-size:2.6rem}.accordion__min{color:var(--brand-color-2);font-size:4rem}.accordion__plus{color:var(--brand-color-2);font-size:4rem}.accordion__text{text-align:left}#input_7_58_3,#input_7_58_6{background-image:url(https://bankruptcy-canada.ca/wp-content/uploads/user.webp);background-size:17px;background-position:18px 50%;background-repeat:no-repeat;padding-left:4rem}#input_7_32{background-image:url(https://bankruptcy-canada.ca/wp-content/uploads/phone.webp);background-size:17px;background-position:18px 50%;background-repeat:no-repeat;padding-left:4rem}#input_7_33{background-image:url(https://bankruptcy-canada.ca/wp-content/uploads/email.webp);background-size:17px;background-position:18px 50%;background-repeat:no-repeat;padding-left:4rem}#input_7_5{background-image:url(https://bankruptcy-canada.ca/wp-content/uploads/province.webp);background-size:17px;background-position:18px 50%;background-repeat:no-repeat;padding-left:4rem}.font-size-16{font-size:1.6rem}.page-sidebar{display:grid;grid-template-columns:minmax(0,2fr) minmax(0,1fr);gap:var(--grid-gap)}.page-sidebar_content{display:flex;flex-direction:column;align-items:flex-start;gap:var(--container-gap);max-width:66ch}.page-sidebar_sidebar .accordion__heading{font-size:2rem}.page-sidebar_sidebar .accordion__btn{background-color:var(--brand-color-1)}.page-sidebar_sidebar .accordion__text{color:var(--white)}.page-sidebar_sidebar .accordion__min{color:var(--white);font-size:3rem}.page-sidebar_sidebar .accordion__plus{color:var(--white);font-size:3rem}.page-sidebar_sidebar .accordion__content{padding:3rem 4rem;border-radius:1rem;margin-top:1rem;background-color:var(--white);box-shadow:0 20px 25px -5px rgb(0 0 0/0.1),0 8px 10px -6px rgb(0 0 0/0.1);display:flex;flex-direction:column;gap:var(--content-gap);align-items:center}.page-sidebar_sidebar .accordion__content ul{width:100%;margin:0;list-style-type:none;padding-left:0;display:flex;flex-direction:column;gap:1rem}.page-sidebar_sidebar .accordion__content li a{font-size:2rem;color:var(--body-text)}.single-post .page-sidebar_content{order:-1}.comments{display:flex;flex-direction:column;gap:var(--content-gap);padding-top:2rem;border-top:1px solid var(--brand-color-2)}.comments h2{font-size:2.4rem}.comment{display:grid;grid-template-columns:1fr 6fr;gap:var(--gap)}.author-info{font-weight:700;margin-bottom:2rem}.sidebar-form-wrapper{display:flex;flex-direction:column;gap:var(--content-gap);background-color:var(--brand-color-1);padding:3rem;border:2rem solid var(--brand-color-3);border-radius:1rem}.page-sidebar_sidebar{display:flex;flex-direction:column;gap:var(--content-gap)}.sidebar-form-wrapper h2{font-size:2rem;text-align:center;color:var(--white)}@media (max-width:1210px){.cp-boxes{display:flex;grid-column-start:1;grid-column-end:3}}@media (max-width:991px){.mobile-mm-item__panel .cp-boxes{flex-direction:column;padding:0 4rem 0 2rem;font-size:1.6rem}.mobile-mm-item__panel .cp-box{flex-direction:row}}.mobile-menu__panel-top{display:flex;flex-direction:column;gap:var(--content-gap);width:100%;padding-bottom:2rem;border-bottom:1px solid var(--white)}.mobile-menu__panel-bottom{display:flex;flex-direction:column;gap:var(--content-gap);width:100%;padding:2rem;align-items:flex-start}.mobile-mm-item__btn{background-color:transparent;box-shadow:none;color:var(--white);padding:1rem 2rem}.mobile-mm-item__btn .accordion__min{color:var(--white);font-size:2rem}.mobile-mm-item__btn .accordion__plus{color:var(--white);font-size:2rem}.mobile-menu__panel a{color:var(--white)!important}.search-wrapper__form-mobile{width:100%;padding-inline:2rem}.search-wrapper__form-mobile .search-wrapper__input{width:100%}.mobile-mm-item__panel{background-color:var(--brand-color-1)}.mobile-mm-item__panel ul{margin:0;padding-block:2rem;list-style-type:none;padding-inline:3rem;display:flex;flex-direction:column;gap:var(--gap)}.consumer-panel{padding-left:2rem;padding-bottom:1rem;background-color:var(--brand-color-4)}.consumer-panel .accordion{margin-bottom:1rem}.mobile-menu-social{display:flex;gap:var(--gap)}@media (max-width:991px){.cta-header{display:none}}@media (max-width:767px){header .search-wrapper{margin-right:0}.tel-wrapper-header{display:none}}.single-nav{padding-bottom:0!important}.mobile-menu__panel-top .accordion{gap:0}@media (max-width:991px){.page-sidebar{grid-template-columns:minmax(0,1fr)}}@media (max-width:479px){.sidebar-form-wrapper{border:none}.comment{grid-template-columns:1fr}}@media (max-width:767px){.accordion__heading{font-size:2.2rem}}.trustee-mobile ul{padding-block:1rem}.trustee-mobile ul li:not(:first-child){padding-left:1rem}.gform_wrapper.gravity-theme fieldset,.gform_wrapper.gravity-theme legend{background:0 0;padding:0}.gform_wrapper.gravity-theme fieldset{border:none;display:block;margin:0}.gform_wrapper.gravity-theme legend{margin-left:0;margin-right:0}.gform-icon{speak:never;font-feature-settings:normal;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;font-family:gform-icons-theme!important;font-style:normal;font-variant:normal;font-weight:400;line-height:1;text-transform:none}.gform_wrapper.gravity-theme ::-ms-reveal{display:none}@media only screen and (max-width:641px){.gform_wrapper.gravity-theme input:not([type=radio]):not([type=checkbox]):not([type=image]):not([type=file]){line-height:2;min-height:32px}.gform_wrapper.gravity-theme textarea{line-height:1.5}}.gform_wrapper.gravity-theme .gfield_visibility_hidden{left:-9999px;position:absolute;visibility:hidden}.gform_wrapper.gravity-theme .gform_hidden{display:none}.gform_wrapper.gravity-theme .hidden_label .gfield_label,.gform_wrapper.gravity-theme .hidden_sub_label,.gform_wrapper.gravity-theme .screen-reader-text{clip:rect(1px,1px,1px,1px);word-wrap:normal!important;border:0;-webkit-clip-path:inset(50%);clip-path:inset(50%);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;width:1px}.gform_wrapper.gravity-theme .gfield textarea{width:100%}.gform_wrapper.gravity-theme .gfield textarea.small{height:96px}.gform_wrapper.gravity-theme .gfield input,.gform_wrapper.gravity-theme .gfield select{max-width:100%}.gform_wrapper.gravity-theme .gfield input.medium{width:calc(50% - 8px)}.gform_wrapper.gravity-theme .gfield input.large,.gform_wrapper.gravity-theme .gfield select.large{width:100%}.gform_wrapper.gravity-theme *{box-sizing:border-box}.gform_wrapper.gravity-theme .gform_fields{grid-column-gap:2%;-ms-grid-columns:(1fr 2%) [12];grid-row-gap:16px;display:grid;grid-template-columns:repeat(12,1fr);grid-template-rows:repeat(auto-fill,auto);width:100%}.gform_wrapper.gravity-theme .gfield{grid-column:1/-1;min-width:0}.gform_wrapper.gravity-theme .gfield.gfield--width-full{-ms-grid-column-span:12;grid-column:span 12}@media (max-width:640px){.gform_wrapper.gravity-theme .gform_fields{grid-column-gap:0}.gform_wrapper.gravity-theme .gfield:not(.gfield--width-full){grid-column:1/-1}}.gform_wrapper.gravity-theme .gfield_label{display:inline-block;font-size:16px;font-weight:700;margin-bottom:8px;padding:0}.gform_wrapper.gravity-theme .ginput_complex label{font-size:15px;padding-top:5px}.gform_wrapper.gravity-theme .gfield_required{color:#c02b0a;display:inline-block;font-size:13.008px;padding-left:.125em}.gform_wrapper.gravity-theme .gform_required_legend .gfield_required{padding-left:0}.gform_wrapper.gravity-theme .gform_footer{display:flex}.gform_wrapper.gravity-theme .gform_footer input{align-self:flex-end}.gform_wrapper.gravity-theme .ginput_complex{display:flex;flex-flow:row wrap}.gform_wrapper.gravity-theme .ginput_complex span{flex:1}.gform_wrapper.gravity-theme .ginput_complex label{display:block}.gform_wrapper.gravity-theme .ginput_complex input{width:100%}@media (min-width:641px){.gform_wrapper.gravity-theme .ginput_complex:not(.ginput_container_address) span:not([style*="display:none"]):not(.ginput_full){padding-right:1%}.gform_wrapper.gravity-theme .ginput_complex:not(.ginput_container_address) span:not([style*="display:none"]):not(.ginput_full)~span:not(.ginput_full){padding-left:1%;padding-right:0}}@media (max-width:640px){.gform_wrapper.gravity-theme .ginput_complex span{flex:0 0 100%;margin-bottom:8px;padding-left:0}}.gform_wrapper.gravity-theme .gform_footer{margin:6px 0 0;padding:16px 0}.gform_wrapper.gravity-theme .gform_footer input{margin-bottom:8px}.gform_wrapper.gravity-theme .gform_footer input+input{margin-left:8px}.gform_wrapper.gravity-theme input[type=email],.gform_wrapper.gravity-theme input[type=tel],.gform_wrapper.gravity-theme input[type=text],.gform_wrapper.gravity-theme select,.gform_wrapper.gravity-theme textarea{font-size:15px;margin-bottom:0;margin-top:0;padding:8px}body{--wp--preset--color--black:var(--black,#000);--wp--preset--color--cyan-bluish-gray:#abb8c3;--wp--preset--color--white:var(--white,#fff);--wp--preset--color--pale-pink:#f78da7;--wp--preset--color--vivid-red:#cf2e2e;--wp--preset--color--luminous-vivid-orange:#ff6900;--wp--preset--color--luminous-vivid-amber:#fcb900;--wp--preset--color--light-green-cyan:#7bdcb5;--wp--preset--color--vivid-green-cyan:#00d084;--wp--preset--color--pale-cyan-blue:#8ed1fc;--wp--preset--color--vivid-cyan-blue:#0693e3;--wp--preset--color--vivid-purple:#9b51e0;--wp--preset--color--brand-1:var(--brand-color-1,#137eb4);--wp--preset--color--brand-2:var(--brand-color-2,#fd8f12);--wp--preset--color--brand-3:var(--brand-color-3,#ecf6fe);--wp--preset--color--brand-4:var(--brand-color-4,#0e5e86);--wp--preset--color--brand-5:var(--brand-color-5,#b3b3b3);--wp--preset--color--brand-6:var(--brand-color-6,#b3b3b3);--wp--preset--color--body-text:var(--body-text,#1f1f1f);--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple:linear-gradient(135deg,rgba(6,147,227,1) 0%,#9b51e0 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan:linear-gradient(135deg,#7adcb4 0%,#00d082 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange:linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red:linear-gradient(135deg,rgba(255,105,0,1) 0%,#cf2e2e 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray:linear-gradient(135deg,#eee 0%,#a9b8c3 100%);--wp--preset--gradient--cool-to-warm-spectrum:linear-gradient(135deg,#4aeadc 0%,#9778d1 20%,#cf2aba 40%,#ee2c82 60%,#fb6962 80%,#fef84c 100%);--wp--preset--gradient--blush-light-purple:linear-gradient(135deg,#ffceec 0%,#9896f0 100%);--wp--preset--gradient--blush-bordeaux:linear-gradient(135deg,#fecda5 0%,#fe2d2d 50%,#6b003e 100%);--wp--preset--gradient--luminous-dusk:linear-gradient(135deg,#ffcb70 0%,#c751c0 50%,#4158d0 100%);--wp--preset--gradient--pale-ocean:linear-gradient(135deg,#fff5cb 0%,#b6e3d4 50%,#33a7b5 100%);--wp--preset--gradient--electric-grass:linear-gradient(135deg,#caf880 0%,#71ce7e 100%);--wp--preset--gradient--midnight:linear-gradient(135deg,#020381 0%,#2874fc 100%);--wp--preset--gradient--custom-color-1:linear-gradient(135deg,#000 0%,rgba(255,255,255,0) 100%);--wp--preset--font-size--small:13px;--wp--preset--font-size--medium:20px;--wp--preset--font-size--large:36px;--wp--preset--font-size--x-large:42px;--wp--preset--spacing--20:.44rem;--wp--preset--spacing--30:.67rem;--wp--preset--spacing--40:1rem;--wp--preset--spacing--50:1.5rem;--wp--preset--spacing--60:2.25rem;--wp--preset--spacing--70:3.38rem;--wp--preset--spacing--80:5.06rem;--wp--preset--shadow--natural:6px 6px 9px rgba(0,0,0,.2);--wp--preset--shadow--deep:12px 12px 50px rgba(0,0,0,.4);--wp--preset--shadow--sharp:6px 6px 0px rgba(0,0,0,.2);--wp--preset--shadow--outlined:6px 6px 0px -3px rgba(255,255,255,1),6px 6px rgba(0,0,0,1);--wp--preset--shadow--crisp:6px 6px 0px rgba(0,0,0,1)}body{margin:0;--wp--style--global--content-size:1200px;--wp--style--global--wide-size:1400px}body{--wp--style--block-gap:24px}body{padding-top:0;padding-right:0;padding-bottom:0;padding-left:0} taxes | Bankruptcy Canada
The answer to this largely depends on what the tax return is spent on and when you end up filing for the bankruptcy or consumer proposal. If you simply are waiting until after you receive your taxes to file, then this is not appropriate as your actions are being done to intentionally thwart the rights of your creditors. However, most people I come across are not trying to “plan” the filing of a bankruptcy, which can often get the none into trouble, but simply trying to find a way to work things out in the absence of a bankruptcy.
So my advice would be when you get the tax refund spend it wisely. Don’t pay off one creditor over another simply because you like them better or would feel bad if they had to write the debt off in the bankruptcy, even if you are related to them as this is the type of thing that can cause you significant difficulties.