Hi Lynn, just wanna let you know that I think there are quite a few people out there who are in the same boat, so pls don't feel too bad. I know of a family whose family business failed and both parents declared bankruptcy, and the sons who helped to take over the business also subsequently got implicated. If you look on the bright side, bankruptcy is nothing, just perhaps perceived to be a social stigma (but nobody will know unless you tell them), need to get OA approval when u wanna travel outside of Singapore, and declare or report to the OA in relation to future financial matters or spending. In a few years time, your parents should be able to clear themselves of the bankruptcy status. When I was in uni, I had a few friends whose fathers went bankrupt, but they told me it's actually a good thing. Cheers and 加油ok! Hugs