It is important to understand that not all debts are settled in personal bankruptcy or consumer proposal. The federal government has determined that the following debts are specifically excluded from being settled: (a) fines, penalties and restitution orders imposed by Court;  (b) Court awarded damages for intentionally inflicted bodily harm, sexual assault or wrongful death;  (c) debts arising out of fraud, embezzlement, misappropriation, defalcation or resulting from obtaining property or services by false pretences or fraudulent misrepresentation. This includes most EI overpayments; (d) debts or liabilities for alimony, maintenance, spousal support or child support; and (e) student loans where I have been a full or part-time student at any time in the 7 years before filing.  In addition to these debts, you will have to keep paying any debts secured by assets that you have elected to retain. For example, if you are keeping your house in personal bankruptcy or a consumer proposal, you will have to keep paying the mortgage and any other debts secured by the house. Similarly, if you are keeping a leased or purchase-financed vehicle, you will have to keep paying the lessor or finance company.