I just wanted to thank you all very much for your help and advice. I really appreciate it.

Thank you for your replies. Talking to you has certainly helped!
I do not own a house or car. How do I go about applying for bankruptcy and what does it involve?

Hello I had an IVA but it has failed. I am now being chased by one of my creditors for the money, I am currently out of work so just cannot afford to pay it. My other creditors have not yet been in contact but I assume this is only a matter of time. I'm really worried that I will be sent to prison f...