Hi Dean Without even knowing your circumstances I would bet a months salary you did not get advice from an accredited debt advice agency such as Stepchange or National Debtline, go to an IVA Company or an lead generation company for debt advice and there are many on facebook, you can be sure of one ...

Voluntary bankruptcy might well be the answer --- but a "no brainer" ??? Has the poster got a home to protect ? Will the government bring in measures to cushion the blow when they realise that waiting until June is a non-starter ? Will it be possible to tread water until we know what is happening ?...

Well the problem is that I've now gone overdrawn in my bank with absolutely no way of paying it back. I have a second bank account that I have 100 in and if i transfer that back it wouldn't even put me into the black. At that stage I have literally no money at all (no money for food even). I havent...