I just don't know what to do...I am frightened

[p.c]

I need to declare myself bankrupt...I have been making reduced payments to credit cards for over 5 years and just can't continue. With hindsight I should have arranged an IVA. My problem is that I live in a very small comunity and would not like to be declared bankrupt locally as everyone would know about it. All my statements etc have always gone to a mailing address (as I did not wish my partner to find out about them).

Can I declare myself bankrupt in the area of my correspondance address? Also as I have not worked for many years (childcare) and live in a different taxation duristiction...will it cause problems with the official receivers enquiries? My national insurance or tax details (although I don't earn anyway) would not show in England. I just don't know what to do...I am frightened I am going to be forced to walk out on my family in order to go and declare myself bankrupt elsewhere...and if I did that I could never go back...please help.

[MelanieGiles]

When you say I should have arranged an IVA - what is stopping you from doing so now? You can only declare yourself bankrupt in the area that you reside in - but your mailing address will also be included in the advertisements. Where do you actually live?

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk