unfortunately since you declared this in your petition that money needs to go back to the trustee in order to pay creditors..in my case my i owed money to my dad(about 2,000) my lawyer what he did was put it in the allowable assets column which was 5k so i had 3,000 in personal assets and 2,000 in loan...this is how it works in the u.s not sure how it works in australia but i think bk laws are pretty much the same in westernized countries.If you don't want to have your mother in law pay back that loan then cancel the bankruptcy and find out how long you have to wait until you don't have to put that in petition...thats the best advice i can give you.