<?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:osb="http://www.osb.gc.ca/eFiling" xmlns:xs="http://www.w3.org/2001/XMLSchema" elementFormDefault="qualified" attributeFormDefault="unqualified">
	<xs:include schemaLocation="Globals.xsd"/>
	<xs:element name="Form82">
		<xs:annotation>
			<xs:documentation>Report of Trustee on Bankrupt's Application for Discharge (Subsection 170(1) of the Act)</xs:documentation>
		</xs:annotation>
		<xs:complexType>
			<xs:sequence>
				<xs:element name="BankruptcyDate" type="xs:date">
					<xs:annotation>
						<xs:documentation>Date of bankruptcy</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="InitialEventDate" type="xs:date">
					<xs:annotation>
						<xs:documentation>Date of initial bankruptcy event</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="MaritalStatus" maxOccurs="unbounded">
					<xs:annotation>
						<xs:documentation>Marital status of the debtor.  Pick from list.</xs:documentation>
					</xs:annotation>
					<xs:simpleType>
						<xs:restriction base="osb:MaritalStatus"/>
					</xs:simpleType>
				</xs:element>
				<xs:element name="EmploymentType" maxOccurs="unbounded">
					<xs:annotation>
						<xs:documentation>Type of employment</xs:documentation>
					</xs:annotation>
					<xs:simpleType>
						<xs:restriction base="xs:string">
							<xs:minLength value="1"/>
						</xs:restriction>
					</xs:simpleType>
				</xs:element>
				<xs:element name="MembersInHousehold" type="xs:positiveInteger">
					<xs:annotation>
						<xs:documentation>Number of persons in household family unit, including bankrupt</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="DeclaredSecured" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Amount of declared secured liablities</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="DeclaredPreferred" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Amount of declared preferred liablities</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="DeclaredUnsecured" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Amount of declared unsecured liablities</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="ProvenSecured" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Amount of proven secured liablities</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="ProvenPreferred" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Amount of proven preferred liablities</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="ProvenUnsecured" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Amount of proven unsecured liablities</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="Asset" minOccurs="0" maxOccurs="unbounded">
					<xs:annotation>
						<xs:documentation>An asset</xs:documentation>
					</xs:annotation>
					<xs:complexType>
						<xs:sequence>
							<xs:element name="Description">
								<xs:annotation>
									<xs:documentation>Description of the 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="StatementValue" type="osb:Money" minOccurs="0">
								<xs:annotation>
									<xs:documentation>Value as per Statement of Affairs</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="AmountRealized" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Amount realized</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="EstimateAssetsRealized" type="osb:Money" minOccurs="0">
								<xs:annotation>
									<xs:documentation>Estimate of assets to be realized</xs:documentation>
								</xs:annotation>
							</xs:element>
						</xs:sequence>
					</xs:complexType>
				</xs:element>
				<xs:element name="TotalStatementValue" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Total value as per Statement of Affairs</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="TotalAmountRealized" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Total amount realized</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="TotalEstimateAssetsRealized" type="osb:Money">
					<xs:annotation>
						<xs:documentation>Total estimate of assets to be realized</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="AnticipatedRatePreferredCreditors" type="osb:Percentage">
					<xs:annotation>
						<xs:documentation>Anticipated Rate of Return on Dividends for Preferred Creditors</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="AnticipatedRateUnsecuredCreditors" type="osb:Percentage">
					<xs:annotation>
						<xs:documentation>Anticipated Rate of Return on Dividends for Unsecured Creditors</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="CauseOfBankruptcy">
					<xs:annotation>
						<xs:documentation>1. Details of the causes of bankruptcy</xs:documentation>
					</xs:annotation>
					<xs:simpleType>
						<xs:restriction base="xs:string">
							<xs:minLength value="1"/>
						</xs:restriction>
					</xs:simpleType>
				</xs:element>
				<xs:element name="BankruptMonthlyIncome" type="osb:Money">
					<xs:annotation>
						<xs:documentation>2a. Available monthly income of the bankrupt at date of bankruptcy.</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="BankruptMonthlyIncomeReport" type="osb:Money">
					<xs:annotation>
						<xs:documentation>2b. Available monthly income of the bankrupt at date of this report</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="FamilyMonthlyIncome" type="osb:Money">
					<xs:annotation>
						<xs:documentation>3a. Available monthly income of the family unit at date of bankruptcy</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="FamilyMonthlyIncomeReport" type="osb:Money">
					<xs:annotation>
						<xs:documentation>3b. Available monthly income of the family unit at date of this report</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="RequiredToPay" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>4a. Was the bankrupt required to pay to the estate an amount established by the Directive on Surplus Income?</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="MadeAViableProposal" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>4b. Could the bankrupt have made a viable proposal rather than proceeding with bankruptcy?</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="FailDuties" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>5a. Did the bankrupt fail to perform any of the duties imposed on the bankrupt under the Act?</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="FailDutiesDetails" type="xs:string" minOccurs="0">
					<xs:annotation>
						<xs:documentation>5a. Details of failure to perform duties</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="HeldResponsible" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>5b. Can the bankrupt be justly held responsible for any of the facts referred pursuant to section 173 of the Act?</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="HeldResponsibleDetails" type="xs:string" minOccurs="0">
					<xs:annotation>
						<xs:documentation>5b. Details of facts for which the bankrupt can be held justly responsible</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="CommitOffence" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>5c. Did the bankrupt commit any offence in connection with the bankruptcy?</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="CommitOffenceDetails" type="xs:string" minOccurs="0">
					<xs:annotation>
						<xs:documentation>5c. Details of offence(s)</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="MakeAProposal" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>6a. Did the bankrupt ever make a proposal under the Bankruptcy and Insolvency Act?</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="MakeAProposalDetails" type="xs:string" minOccurs="0">
					<xs:annotation>
						<xs:documentation>6a. Details of proposal</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="BankruptBefore" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>6b. Has the bankrupt been bankrupt before either in Canada or elsewhere?</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="BankruptBeforeDetails" type="xs:string" minOccurs="0">
					<xs:annotation>
						<xs:documentation>6b. Details of previous bankruptcy</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="InspectorsAppointed" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>7. Were inspectors appointed in this estate?</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="InspectorsDetails" type="xs:string" minOccurs="0">
					<xs:annotation>
						<xs:documentation>7. Details of appointed inspectors if trustee believes inspectors will not approve this report</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="OpposeDischarge" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>8a. Is it the intention of the trustee to oppose the bankrupt's discharge?</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="OpposeDischargeDetails" type="xs:string" minOccurs="0">
					<xs:annotation>
						<xs:documentation>8a. Details of trustee opposition</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="TrusteeGroundsOppose" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>8b. Does the trustee have reasonable grounds to believe that a creditor or the Superintendent will oppose the bankrupt's discharge for a reason other than those set out in the Act?</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="TrusteeGroundsOpposeDetails" type="xs:string" minOccurs="0">
					<xs:annotation>
						<xs:documentation>8b. Details of reasonable grounds</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="RefuseCounselling" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>9. Did the bankrupt refuse or neglect to receive counselling pursuant to the
Directive on Counselling in insolvency matters?</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="RefuseCounsellingDetails" type="xs:string" minOccurs="0">
					<xs:annotation>
						<xs:documentation>9. Details of refusal or neglect</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="OtherFactsOppose" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>10. Are there other facts, matters or circumstances that would justify the Court
in refusing an absolute order of discharge?</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="OtherFactsOpposeDetails" type="xs:string" minOccurs="0">
					<xs:annotation>
						<xs:documentation>10. Details of other facts, matters or circumstances.</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="OtherPertinentInformation" type="xs:boolean">
					<xs:annotation>
						<xs:documentation>11. Is there other pertinent information?</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="OtherPertinentInformationDetails" type="xs:string" minOccurs="0">
					<xs:annotation>
						<xs:documentation>11. Details of other pertinent information</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="AdditionalDetail" type="xs:string" minOccurs="0" maxOccurs="unbounded">
					<xs:annotation>
						<xs:documentation>Additional details as required</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="FormTrusteeDeclaration" type="osb:DeclarantPerson">
					<xs:annotation>
						<xs:documentation>Declaration by trustee for the main form part</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="AppendixA" minOccurs="0">
					<xs:annotation>
						<xs:documentation>Appendix A is required when  Q4a or Q4b are answered "Yes"</xs:documentation>
					</xs:annotation>
					<xs:complexType>
						<xs:sequence>
							<xs:element name="RequiredAmount" type="osb:Money">
								<xs:annotation>
									<xs:documentation>A:(1) Monthly amount required by the Directive on Surplus Income</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="AgreedToPay" type="osb:Money">
								<xs:annotation>
									<xs:documentation>A:(2) Amount bankrupt has agreed to pay monthly</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="DifferenceAmount" type="osb:NegativeMoney">
								<xs:annotation>
									<xs:documentation>A: Difference between amounts (1)-(2)</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="AgreedToPayRepurchase" type="osb:Money">
								<xs:annotation>
									<xs:documentation>A:(3) Amount bankrupt has agreed to pay monthly to repurchase assets</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="RepurchaseDetails" type="xs:string" minOccurs="0">
								<xs:annotation>
									<xs:documentation>A:(3) Details of assets bankrupt has agreed to pay monthly to repurchase</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="AnticipatedPayments" type="osb:Money">
								<xs:annotation>
									<xs:documentation>A: Total anticipated payments,  (2) + (3)</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="AllRequiredPayments" type="xs:boolean">
								<xs:annotation>
									<xs:documentation>B1: Did bankrupt make all required payments?</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="AllRequiredPaymentsDetails" type="xs:string" minOccurs="0">
								<xs:annotation>
									<xs:documentation>If no, provide details</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="CorrespondWithDirective" type="xs:boolean">
								<xs:annotation>
									<xs:documentation>B2: Does amount established to be paid correspond with Directive on Surplus Income?</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="CorrespondWithDirectiveDetails" type="xs:string" minOccurs="0">
								<xs:annotation>
									<xs:documentation>CorrespondWithDirectiveDetails</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="SurplusIncomeAwareOfMediation" type="xs:boolean">
								<xs:annotation>
									<xs:documentation>B3: Was the bankrupt made aware of the possibility of requesting mediation?</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="MaterialChanges" type="xs:boolean">
								<xs:annotation>
									<xs:documentation>B4: Any amendment or material changes during period of bankruptcy?</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="MaterialChangesDetails" type="xs:string" minOccurs="0">
								<xs:annotation>
									<xs:documentation>B4: Details of amendment or material changes</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="MediationNecessary" type="xs:boolean">
								<xs:annotation>
									<xs:documentation>B5: Was mediation necessary to determine the amount to be paid by the bankrupt?</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="Recommendation" minOccurs="0">
								<xs:annotation>
									<xs:documentation>C6: Recommendation of the trustee</xs:documentation>
								</xs:annotation>
								<xs:complexType>
									<xs:choice>
										<xs:element name="DischargeWithoutConditions">
											<xs:annotation>
												<xs:documentation>Bankrupt to be discharged without conditions</xs:documentation>
											</xs:annotation>
											<xs:complexType>
												<xs:sequence>
													<xs:element name="Justification">
														<xs:annotation>
															<xs:documentation>Justification for unconditional discharge</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="DischargeWithConditions">
											<xs:annotation>
												<xs:documentation>Bankrupt to be discharged subject to conditions (deemed opposition)</xs:documentation>
											</xs:annotation>
											<xs:complexType>
												<xs:sequence>
													<xs:element name="NotComplied" type="xs:boolean">
														<xs:annotation>
															<xs:documentation>NotComplied</xs:documentation>
														</xs:annotation>
													</xs:element>
													<xs:element name="AmountDisproportionate" type="xs:boolean">
														<xs:annotation>
															<xs:documentation>AmountDisproportionate</xs:documentation>
														</xs:annotation>
													</xs:element>
													<xs:element name="ChoseBankruptcy" type="xs:boolean">
														<xs:annotation>
															<xs:documentation>ChoseBankruptcy</xs:documentation>
														</xs:annotation>
													</xs:element>
													<xs:element name="Detail">
														<xs:annotation>
															<xs:documentation>Details, including amount and period of payments</xs:documentation>
														</xs:annotation>
														<xs:complexType>
															<xs:sequence>
																<xs:element name="Description">
																	<xs:annotation>
																		<xs:documentation>Description of detail</xs:documentation>
																	</xs:annotation>
																	<xs:simpleType>
																		<xs:restriction base="xs:string">
																			<xs:minLength value="1"/>
																		</xs:restriction>
																	</xs:simpleType>
																</xs:element>
																<xs:element name="Amount" type="osb:Money" minOccurs="0">
																	<xs:annotation>
																		<xs:documentation>Amount</xs:documentation>
																	</xs:annotation>
																</xs:element>
																<xs:element name="Period" type="osb:Period" minOccurs="0">
																	<xs:annotation>
																		<xs:documentation>Period</xs:documentation>
																	</xs:annotation>
																</xs:element>
																<xs:element name="MonthlyAmount" type="osb:Money" minOccurs="0">
																	<xs:annotation>
																		<xs:documentation>Amount to be paid monthly</xs:documentation>
																	</xs:annotation>
																</xs:element>
															</xs:sequence>
														</xs:complexType>
													</xs:element>
												</xs:sequence>
											</xs:complexType>
										</xs:element>
										<xs:element name="DischargedAfterFulfilling">
											<xs:annotation>
												<xs:documentation>Bankrupt to be discharged after fulfiling obligations under mediation agreement</xs:documentation>
											</xs:annotation>
											<xs:complexType>
												<xs:sequence>
													<xs:element name="Detail">
														<xs:annotation>
															<xs:documentation>Details, including amount and period of payments</xs:documentation>
														</xs:annotation>
														<xs:complexType>
															<xs:sequence>
																<xs:element name="Description">
																	<xs:annotation>
																		<xs:documentation>Description of detail</xs:documentation>
																	</xs:annotation>
																	<xs:simpleType>
																		<xs:restriction base="xs:string">
																			<xs:minLength value="1"/>
																		</xs:restriction>
																	</xs:simpleType>
																</xs:element>
																<xs:element name="Amount" type="osb:Money" minOccurs="0">
																	<xs:annotation>
																		<xs:documentation>Amount</xs:documentation>
																	</xs:annotation>
																</xs:element>
																<xs:element name="Period" type="osb:Period" minOccurs="0">
																	<xs:annotation>
																		<xs:documentation>Period</xs:documentation>
																	</xs:annotation>
																</xs:element>
																<xs:element name="MonthlyAmount" type="osb:Money" minOccurs="0">
																	<xs:annotation>
																		<xs:documentation>Amount to be paid monthly</xs:documentation>
																	</xs:annotation>
																</xs:element>
															</xs:sequence>
														</xs:complexType>
													</xs:element>
												</xs:sequence>
											</xs:complexType>
										</xs:element>
									</xs:choice>
								</xs:complexType>
							</xs:element>
							<xs:element name="TrusteeBelievesDebtorAgrees" type="xs:boolean">
								<xs:annotation>
									<xs:documentation>7. Does the trustee have reasonable grounds to believe that the debtor
agrees to the conditions recommended by the trustee?</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="DischargeAwareOfMediation" type="xs:boolean">
								<xs:annotation>
									<xs:documentation>8. Was the bankrupt made aware of the possibility of requesting mediation?</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="AppendixTrusteeDeclaration" type="osb:DeclarantPerson">
								<xs:annotation>
									<xs:documentation>Declaration of trustee for the appendix</xs:documentation>
								</xs:annotation>
							</xs:element>
						</xs:sequence>
					</xs:complexType>
				</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>
