If you left your money to be handled by a professional while you were serving overseas I would absolutely be talking to them about covering any penalties incurred in an (assuming CRA) audit. If you left it with a friend you my be SOL.
A note on bankruptcy, even if it's not relevant to the OP's situation is that it is a LAST resort. What the fuzzy tv commercials don't tell you is that your credit is TRASHED. Want a car loan... how does 30% interest grab you. It will take a long long time for the taint of bankruptcy to come off of your credit report and it's not only credit granting companies that check your score... more and more rental properties want a credit report before taking you on as a renter... same goes for home insurance. It may seem like an easy short term out but the long term costs are staggering. Getting a credit "counselling" company to do a debt consolodation is almost as bad. You're way better off to handle it yourself if at all humanly possible.
IMHO
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