With the form do I have to list all my creditors. Its going to take some time. Without going into details but my debt was incurred when i lived with my previous partner, when i could afford credit. Some of those credit card companies have not located me yet, but I want a line drawn under everything....

Well taken first step. Rang my CCto ask when I could come in and collect a BK pack. She was really pleasant and said dont worry I will send it out to you. She said would you like to book an appointment now , I was a bit overwhelmed and didnt know what the appointment was for. She said it was okay , ...

Thank you so much Lily for your incredible words. I dont want my rent arrears to be written of . My Housing Association have been fantastic and my 40 pound on top of my rent has never seemed unreasonable and they dont want me to lose my tenancy. I have really negative feelings towards my council tax...

Thanks Skippy. I live with Epilepsy so the thought of staring at my laptop screen for long periods of time is not a helpful one unfortunately. So is my undertstanding that the initial forms can be obtained at my County Court? Sorry for all the questions but my mind is rather crazy at the moment. Try...

Thank you go for broke. My rent arrears are fine and I am meeting the rent repayment agreement. Its the council tax that is a mess and not helped by mistakes made by my local council and a really unhelpful group of solicitors on their behalf. This is still being dealt with. the case has been divided...

Thank you Simon. I have tried every avenue and Bankruptcy seems to be my only viable option to get out of this hell. I will try and locate my tenancy agreement. During the bankruptcy process will they allow to continue to address my rent arrears as part of outgoings. And could someone please tell wh...

I am also a tenant of keyworkers housing. I am currently in arrears but repaying an agreement which I dont defer which is 40 pound extra on top of my rent. Will going bankrupt jeopardise my tenancy. Losing my tenancy would just about finish me of and as you can imagine keyworkers housing is like gol...

My debt is approximately 16,500. I have just be advised by a very experienced person that bankruptcy seems to be my only real viable option. Has anyone else had experience of bankruptcy? This is all rather terrifying

I had a very unpleasant experiance with a baliff last week re: council tax arrears and after a friend paying £340 I felt forced into an agreement of £120 a month of top of all the other debt. I am really now on the edge. I have been told that an IVA is not possible because after all the outgoing inc...