I personally hold no prejudices against you for getting in the ****. Been there myself in the past.
What I can’t fathom is rather then listen to the advice you have been freely offered by myself and others - namely to make use of the legal avenue you have available to renege on paying your debts and start afresh - you are following some weird course.
Even worse, you are waiving a red flag at the bank basically forcing them to bankrupt you.
The smartest thing you could do right now is take the No Asset Procedure option for a year and do the further 5 (or 7?) years in the credit worthiness sin bin. After this and assuming no further f***ups on your part, the record will fall off and you will become worthy again.
The bank will have already written off the money because they know they won’t be getting s*** from you, which I add, is 9/10’s of the reason they are not interested in talking to you.
They f***ed up in loaning you the money and they lose. You f***ed up in borrowing the money and you lose.
Forget your career aspirations in the financial industry. That’s finished regardless of anything else purely on the basis of your credit check showing defaults.
What will happen if you don’t take action yourself is they will bankrupt you in court. Unless you have over $40k in debt or a student loan, there is no benefit to you in going bankrupt. Better to take the ‘light’ option I reckon.