<?xml version="1.0" encoding="ISO-8859-1"?>
<!-- edited with XMLSPY v2004 rel. 2 U (http://www.xmlspy.com) by Dean Farwell (Allstream IT Services) -->
<!-- edited with XML Spy v4.4 U (http://www.xmlspy.com) by Dean Farwell (Montage) -->
<xs:schema targetNamespace="http://www.osb.gc.ca/eFiling" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:osb="http://www.osb.gc.ca/eFiling" elementFormDefault="qualified" attributeFormDefault="unqualified">
	<xs:include schemaLocation="Globals.xsd"/>
	<xs:element name="Form79">
		<xs:annotation>
			<xs:documentation>Statement of Affairs (Non-business bankruptcy) (Paragraph 158(d) of the Act)</xs:documentation>
		</xs:annotation>
		<xs:complexType>
			<xs:sequence>
				<xs:element name="Asset" minOccurs="0" maxOccurs="unbounded">
					<xs:annotation>
						<xs:documentation>An asset of the bankrupt</xs:documentation>
					</xs:annotation>
					<xs:complexType>
						<xs:sequence>
							<xs:element name="AssetType">
								<xs:annotation>
									<xs:documentation>Type of this asset.  Pick from list.</xs:documentation>
								</xs:annotation>
								<xs:simpleType>
									<xs:restriction base="xs:string">
										<xs:enumeration value="Cash on Hand"/>
										<xs:enumeration value="Furniture"/>
										<xs:enumeration value="Personal Effects"/>
										<xs:enumeration value="Cash Surrender Value"/>
										<xs:enumeration value="Securities"/>
										<xs:enumeration value="House"/>
										<xs:enumeration value="Cottage"/>
										<xs:enumeration value="Land"/>
										<xs:enumeration value="Automobile"/>
										<xs:enumeration value="Motorcycle"/>
										<xs:enumeration value="Snowmobile"/>
										<xs:enumeration value="Other Motor Vehicle"/>
										<xs:enumeration value="Recreational Equipment"/>
										<xs:enumeration value="Estimated Tax Refund"/>
										<xs:enumeration value="Other Asset"/>
									</xs:restriction>
								</xs:simpleType>
							</xs:element>
							<xs:element name="AssetDescription">
								<xs:annotation>
									<xs:documentation>Description and details of this asset</xs:documentation>
								</xs:annotation>
								<xs:simpleType>
									<xs:restriction base="xs:string">
										<xs:minLength value="1"/>
									</xs:restriction>
								</xs:simpleType>
							</xs:element>
							<xs:element name="AssetValue" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Estimated dollar value of this asset.  Must be entered for every Asset description and cannot be $0.00.</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="AssetExempt" type="xs:boolean">
								<xs:annotation>
									<xs:documentation>True if asset is exempt</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="SecuredAmount" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Secured Amount / Liens</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="EstimatedRealizableValue" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Estimated net realizable dollar value</xs:documentation>
								</xs:annotation>
							</xs:element>
						</xs:sequence>
					</xs:complexType>
				</xs:element>
				<xs:element name="TotalAssets" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Total dollar value of Asset Value</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="TotalSecuredAmount" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Total dollar value of Secured Amount / Liens</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="TotalEstimatedValue" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Total dollar value of Estimated Realizable Value</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="Liability" maxOccurs="unbounded">
					<xs:annotation>
						<xs:documentation>A liability of the bankrupt</xs:documentation>
					</xs:annotation>
					<xs:complexType>
						<xs:sequence>
							<xs:annotation>
								<xs:documentation>At least one of Unsecured, Secured, or Preferred must be present.</xs:documentation>
							</xs:annotation>
							<xs:element name="CreditorName">
								<xs:annotation>
									<xs:documentation>Name of creditor for this liability</xs:documentation>
								</xs:annotation>
								<xs:simpleType>
									<xs:restriction base="xs:string">
										<xs:minLength value="1"/>
									</xs:restriction>
								</xs:simpleType>
							</xs:element>
							<xs:element name="CreditorAddress" type="osb:Location">
								<xs:annotation>
									<xs:documentation>Address of creditor including postal code</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="AccountNum" type="xs:string" minOccurs="0">
								<xs:annotation>
									<xs:documentation>Account number</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="AmountOfDebt" maxOccurs="unbounded">
								<xs:annotation>
									<xs:documentation>Value of debt and if it's Unsecured, Secured or Preferred</xs:documentation>
								</xs:annotation>
								<xs:complexType>
									<xs:sequence>
										<xs:element name="Amount" type="osb:Money">
											<xs:annotation>
												<xs:documentation>Dollar value of debt</xs:documentation>
											</xs:annotation>
										</xs:element>
										<xs:element name="Type">
											<xs:annotation>
												<xs:documentation>Debt type - Unsecured, Secured or Preferred</xs:documentation>
											</xs:annotation>
											<xs:simpleType>
												<xs:restriction base="xs:string">
													<xs:enumeration value="Unsecured"/>
													<xs:enumeration value="Secured"/>
													<xs:enumeration value="Preferred"/>
												</xs:restriction>
											</xs:simpleType>
										</xs:element>
									</xs:sequence>
								</xs:complexType>
							</xs:element>
							<xs:element name="LiabilityType">
								<xs:annotation>
									<xs:documentation>Liabilities type code. Pick from list.</xs:documentation>
								</xs:annotation>
								<xs:simpleType>
									<xs:restriction base="xs:string">
										<xs:enumeration value="Real Property Mortgage"/>
										<xs:enumeration value="Bank Loans (except real property mortgage)"/>
										<xs:enumeration value="Finance Company Loans"/>
										<xs:enumeration value="Credit Cards Bank/Trust Companies Issuers"/>
										<xs:enumeration value="Credit Cards Other Issuers"/>
										<xs:enumeration value="Taxes Federal/Provincial/Municipal"/>
										<xs:enumeration value="Student Loans"/>
										<xs:enumeration value="Loans from Individuals"/>
										<xs:enumeration value="Other"/>
									</xs:restriction>
								</xs:simpleType>
							</xs:element>
						</xs:sequence>
					</xs:complexType>
				</xs:element>
				<xs:element name="TotalUnsecuredLiability" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Total of unsecured liabilities</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="TotalSecuredLiability" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Total of secured liabilities</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="TotalPreferredLiability" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Total of preferred liabilities</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="TotalLiabilities" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Total of all liabilites</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="PledgedAsset" type="xs:string" minOccurs="0" maxOccurs="unbounded">
					<xs:annotation>
						<xs:documentation>Pledged Asset</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="PersonalData" maxOccurs="unbounded">
					<xs:annotation>
						<xs:documentation>A. Personal Data</xs:documentation>
					</xs:annotation>
					<xs:complexType>
						<xs:complexContent>
							<xs:extension base="osb:Individual">
								<xs:sequence>
									<xs:element name="Gender">
										<xs:annotation>
											<xs:documentation>1. Gender of Bankrupt</xs:documentation>
										</xs:annotation>
										<xs:simpleType>
											<xs:restriction base="xs:string">
												<xs:enumeration value="F"/>
												<xs:enumeration value="M"/>
											</xs:restriction>
										</xs:simpleType>
									</xs:element>
									<xs:element name="BirthDate" type="xs:date">
										<xs:annotation>
											<xs:documentation>1. Birth date of bankrupt person</xs:documentation>
										</xs:annotation>
									</xs:element>
									<xs:element name="Alias" minOccurs="0" maxOccurs="unbounded">
										<xs:annotation>
											<xs:documentation>2. Alias name (Also known as)</xs:documentation>
										</xs:annotation>
										<xs:complexType>
											<xs:sequence>
												<xs:element name="GivenNames" type="xs:string">
													<xs:annotation>
														<xs:documentation>Person's Given Names</xs:documentation>
													</xs:annotation>
												</xs:element>
												<xs:element name="FamilyName">
													<xs:annotation>
														<xs:documentation>Person's Family Name</xs:documentation>
													</xs:annotation>
													<xs:simpleType>
														<xs:restriction base="xs:string">
															<xs:minLength value="1"/>
														</xs:restriction>
													</xs:simpleType>
												</xs:element>
											</xs:sequence>
										</xs:complexType>
									</xs:element>
									<xs:element name="Address" type="osb:Location">
										<xs:annotation>
											<xs:documentation>3. Address of bankrupt</xs:documentation>
										</xs:annotation>
									</xs:element>
									<xs:element name="MaritalStatus">
										<xs:annotation>
											<xs:documentation>4. Current marital status</xs:documentation>
										</xs:annotation>
										<xs:simpleType>
											<xs:restriction base="osb:MaritalStatus"/>
										</xs:simpleType>
									</xs:element>
									<xs:element name="DateOfMaritalStatusEvent" type="xs:gYearMonth" minOccurs="0">
										<xs:annotation>
											<xs:documentation>4. Year and month of event if within the last five years</xs:documentation>
										</xs:annotation>
									</xs:element>
									<xs:element name="SpouseName" type="osb:Individual" minOccurs="0">
										<xs:annotation>
											<xs:documentation>5. Full name of spouse or common-law partner</xs:documentation>
										</xs:annotation>
									</xs:element>
									<xs:element name="Employer" type="xs:string" nillable="true" minOccurs="0">
										<xs:annotation>
											<xs:documentation>6. Name of present employer</xs:documentation>
										</xs:annotation>
									</xs:element>
								</xs:sequence>
							</xs:extension>
						</xs:complexContent>
					</xs:complexType>
				</xs:element>
				<xs:element name="HouseHoldMembers" type="xs:positiveInteger">
					<xs:annotation>
						<xs:documentation>7A. Number of persons in household family unit including the bankrupt</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="MembersUnder18" type="xs:nonNegativeInteger">
					<xs:annotation>
						<xs:documentation>7B. Number of household members 17 years of age or less</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="OperatedBusiness" minOccurs="0" maxOccurs="unbounded">
					<xs:annotation>
						<xs:documentation>8. Details of business operated by bankrupt within the last five years.</xs:documentation>
					</xs:annotation>
					<xs:complexType>
						<xs:sequence>
							<xs:element name="BusinessName">
								<xs:annotation>
									<xs:documentation>Name of business, if applicable</xs:documentation>
								</xs:annotation>
								<xs:simpleType>
									<xs:restriction base="xs:string">
										<xs:minLength value="1"/>
									</xs:restriction>
								</xs:simpleType>
							</xs:element>
							<xs:element name="BusinessType">
								<xs:annotation>
									<xs:documentation>BusinessType</xs:documentation>
								</xs:annotation>
								<xs:simpleType>
									<xs:restriction base="xs:string">
										<xs:minLength value="1"/>
									</xs:restriction>
								</xs:simpleType>
							</xs:element>
							<xs:choice>
								<xs:element name="PeriodOfOperation" minOccurs="0">
									<xs:annotation>
										<xs:documentation>Period Of Operation identified using dates.</xs:documentation>
									</xs:annotation>
									<xs:complexType>
										<xs:complexContent>
											<xs:extension base="osb:Period"/>
										</xs:complexContent>
									</xs:complexType>
								</xs:element>
								<xs:element name="PeriodOfOperationText" type="xs:string" minOccurs="0">
									<xs:annotation>
										<xs:documentation>Period Of Operation identified using free-form text.</xs:documentation>
									</xs:annotation>
								</xs:element>
							</xs:choice>
						</xs:sequence>
					</xs:complexType>
				</xs:element>
				<xs:element name="Last12Months">
					<xs:annotation>
						<xs:documentation>9. Within the last 12 months prior to the initial bankruptcy event</xs:documentation>
					</xs:annotation>
					<xs:complexType>
						<xs:sequence>
							<xs:element name="SoldProperty" type="xs:boolean">
								<xs:annotation>
									<xs:documentation>9A. True if debtor sold or disposed of any property</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="ExcessPayments" type="xs:boolean">
								<xs:annotation>
									<xs:documentation>9B.  True if debtor made payments in excess of the regular payments to creditors</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="SeizedProperty" type="xs:boolean">
								<xs:annotation>
									<xs:documentation>9C.  True if debtor had any property seized by a creditor</xs:documentation>
								</xs:annotation>
							</xs:element>
						</xs:sequence>
					</xs:complexType>
				</xs:element>
				<xs:element name="Last5Years">
					<xs:annotation>
						<xs:documentation>10. Within the last 5 years prior to initial bankruptcy event, while knew self to be insolvent</xs:documentation>
					</xs:annotation>
					<xs:complexType>
						<xs:sequence>
							<xs:element name="SoldProperty" type="xs:boolean">
								<xs:annotation>
									<xs:documentation>10A.  True if debtor sold or disposed of any property</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="GiftsOver500" type="xs:boolean">
								<xs:annotation>
									<xs:documentation>10B.  True if debtor made any gifts to relatives or others > $500</xs:documentation>
								</xs:annotation>
							</xs:element>
						</xs:sequence>
					</xs:complexType>
				</xs:element>
				<xs:element name="PriorProposal" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>11A.  True if the debtor ever made a proposal under the Bankruptcy and Insolvency Act</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="BankruptBefore" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>11B. True if the debtor had ever been a bankrupt before, either in Canada or elsewhere</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="PreviousInsolvencyDetails" type="xs:string" minOccurs="0" maxOccurs="unbounded">
					<xs:annotation>
						<xs:documentation>Details of a prior insolvency proceeding, if applicable. ((a) Filing date and location of the proceedings; (b) Name of trustee or administrator; (c) If applicable, was the proposal successful; (d) Date on which Certificate of Full Performance or Discharge was obtained.)</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="ExpectExcessSums" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>12. True if debtor expects to receive money not related to normal income, or any other property within the next 12 months</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="Details" type="xs:string" minOccurs="0">
					<xs:annotation>
						<xs:documentation>13.  Details explaining 9, 10 and 12, if true.</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="ReasonsForDifficulties">
					<xs:annotation>
						<xs:documentation>14.  Reasons for financial difficulty.</xs:documentation>
					</xs:annotation>
					<xs:simpleType>
						<xs:restriction base="xs:string">
							<xs:minLength value="1"/>
						</xs:restriction>
					</xs:simpleType>
				</xs:element>
				<xs:element name="StatementDate" type="xs:date">
					<xs:annotation>
						<xs:documentation>Date of this statement of affairs.</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="BankruptDeclaration" type="osb:Declaration">
					<xs:annotation>
						<xs:documentation>Bankrupt Declaration</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="AdditionalInformation" type="xs:string" minOccurs="0">
					<xs:annotation>
						<xs:documentation>Provide any additional information related to the form.</xs:documentation>
					</xs:annotation>
				</xs:element>
			</xs:sequence>
		</xs:complexType>
	</xs:element>
</xs:schema>
