Thanks for your reply Viki.W You ask "Would your wife be willing to re mortgage and pay the debts off in full?" The answer is probably yes, but I don't know that we could afford the mortgage repayments and it seems unfair to ask her to put herself in debt to pay off mine! You suggest selling my busi...

Hello, I wonder if you experts could give me some advice, my situation is basically this: I run my own business as a self employed sole trader and realistically the business has been struggling for some years so I have had to resort to loans & credit cards to pay the bills and now find myself owing ...