And to Melanie - I am never returning to uk to live - I have no one there anymore, so you suggest I write to the collection agency and tell them this.

I wonder how one makes oneself bankrupt?? Do you have to be there and attend court, or can the people you owe money do it???

I owe around 13000 pounds now - to a loan and now a collection agency, who sent my old landlady letters. My old boyfriend has helped to pay the loan but wont anymore???- however I am not from the uk and will be returning to my own country, so how could I make myself bankrupt. I imagine I need to be ...

I have left uk with debt, ( i am travelling and have NO income and no way of repaying atm) But have now been advised that they are sending my ex landlord bailiff letters. What can they do? Can they take their things? Do they look for people abroad, or what is the procedure. I am too scared to callin...

Melanie i just wondered how I go about filing for bankruptcy? I am renting a room with an old lady and am scared it will effect her as I have my address there. I dont have much of value and am a bit concerned. I will save up the money and then contact a tribunal - or what?? And will there be a heari...

OH DEAR I did mean 14000 pounds and thats a whole lot more than 1400 - sorry.
Do the same options apply or is iva or bankrupsy better options. I owe my bank 3000 and a loan of 11000. I have no money left as my repayments are 300 and that leaves me 500 for rent, food living etc. NOT the best

1400 POUNDS - a lot to me - maybe not to everybody but i am despairing and wondered if someone had advice please

I am in debt around 1400 and am thinking of leaving the uk to run from the problems - I am from overseas. What are my options - I am earning only 800£ per month and I feel like my options have dissappeared. I know IVA is not an option, I rent a room, own nothing of value. HELP me please.