My hsband is part qualified accountant. He does month end stuff in finance function - although he's never been really happy to do this, so maybe bankruptsy would be a good way to change direction.

Can I clarify; if we decided to go for bankruptsy you said there would not be an objection.

I also work 3 evenings pweek getting approx £450 per month. At moment we get £350 p month tax credits and Child Ben of £120 per month. I am trying to get freelance massage work, just starting up so no guarantee of set income from that.