<prompt> Human: Hey there,I live in Vancouver, BC. Looking for guidance from Canadians who have been through the consumer proposal or bankruptcy process.I owe 237k to five different creditors, breaking down like this:Professional lines of credit:167k total:100k Scotiabank67k RBCCredit cards:16k ish:6k Mastercard5k Scotiabank VISA1k RBC VISA4k AMEXCanada Student Loan:57kI make payments of around 3k per month, on an income of 60k. Its not sustainable and I am drawing on credit cards to service the debt. So Im throwing in the towel.Government student loans are immune from bankruptcy consumer proposals. The professional lines of credit can be written off through bankruptcy or you can make a consumer proposal where you offer all your creditors a of the principal to be repaid over five years. 20-30 of the total debt is typical. I obtained the professional lines of credit to get through law school. I was very depressed for most of my 20s and spent very irrationally. Im a lawyer now, but Im not making enough money to service these debts.My concern is that my creditors will oppose bankruptcy or reject a consumer proposal because I obtained an education from my loans.Has anyone been through a CP or bankruptcy that dealt with professional lines of credit from one of the big banks? Would particularly love to hear from any medical students or lawyers in similar situations.Are there any trustees who are particularly good?Thanks!  <response>: As a lawyer filing bankruptcy may affect future job prospects, particularly if you go into public practice. Professional bodies like the bar association, CPA, etc. look very negatively on bad credit. You should look into this before you do anything. 