<prompt> Human: A non redditor friend of mine was just told by collections she needs to pay 7000 CAD by the 21 october to avoid losing everything. She claimed bankruptcy once already and she has entered panic mode. Advice?  <response>: On the flip side, the creditors also think its unreasonable that your friend is not paying for the goods and services she gets. She can pay or declare bankruptcy again, I suppose. 