I have only had the flat for about a year so there is no equity in it it really. I was advised after all those ridiculous fees that come with selling it, I would only really see about 1 or 2k of the equity. It is on the market and tennanted, so I'm hoping for a quick sale, which will be the easiest ...

I am on the brink of declaring myself bankrupt. I am in about £20k debt with a few creditors and have just been offered sponsorship to work and live indefinately in Australia in the next few months. I own a house which is a joint mortgage with my mum, I want to declare bankruptcy, but DO NOT want he...