Often unsecured creditors are given the erroneous advice that if a debtor files for bankruptcy, that they cannot do anything further. There are options available for creditors to conduct further investigations into a debtor's financial affairs and oppose their discharge...

...which is a cost effective tool, to search for fraudulently concealed assets or conduct depositions under s. 163 of the BIA, or take litigation into their name under a s. 38 assignment, or fund the bankruptcy trustee to do the same.

Or...that certain liabilities survive bankruptcy - for obtaining goods or service by fraudulent pretenses or misreps, embezzlment, (ect) breach of trust acting in a fiduciary capacity, spousal and child support, sexual assault or torts arising from intentional bodily harm.

Lastly, not all debtors are there to game the system. The vast majority are honest but misfortune seeking and entitled to a fresh start - but sometimes there are rogues or misconduct that has been committed that can be accounted for and get recovery for creditors and the trustee.