What happens if you declare bankruptcy

When Valerie Freeman entered the commerce degree program at Ryerson University, she couldn't help but notice the credit card come-ons that seemed to be everywhere — in the student halls, pubs, even residences.

An optimistic 19-year-old, she took up the offers and was approved on the strength of her future income.

Freeman, freshly armed with plastic, indulged in outings at the nearby Eaton Centre for stress-relief shopping.
It turned into more and more; she bought clothing, shoes, gifts, a laptop, “You name it, I charged it,” Freeman told the Star.

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