your're welcome - keep your chin up hun, it will all get sorted eventually - feels like a long slog right now but every day gets you nearer to a new life

so, sorry Chris, I missed your post (I feel so rude!). Thanks it would be good

but on the upside - rent paid, three square meals a day, satellite TV, gym, heating and leccy paid......... hmm, I'm not really talking you out of anything am I!

Wish I could help, but I'm sure Melanie could advise. Just make sure he doesn't play games - you're trying to get yourself straight for you and your kids, so the best advice I can give is don't do/sign anything until you've spoken to someone who really does know where you stand.

lol - no just human

I'm certainly no expert and all I can advise is talking to Melanie - she really will give you the best advice and then make the decision that you are comfortable with.

Good luck!

hell, we've all made mistakes - at least you're doing your best to sort it all out. lol - I did the opposite and instructed the toughest divorce lawyer I could find - having put up with far too much cr*p - I was getting my pound of flesh! But if it's better for you and the kids to walk away and star...

Of course you will - you sound like a lady with her head screwed on straight! lol - oh the stories I could tell of what I did to some of my OH's stuff when we split up. We actually laugh about it now!

Hi Ben Talk about caught between the devil and the deep blue see. Ultimately, you have to go with the decision that feels right for you. But from my own experience (two members of my family have gone down the BR route), bankruptcy is not as awful as you would think - I'm not saying it's easy but you...

I think Sefton's in Yorkshire, but hey, it can't possibly be any different anywhere else in the country!

I'm so pleased for you that's one less thing to worry about!

lol - the people that usually manage to get away with that are those that have plenty of money! Oh the irony! Meanwhile the rest of us just have to fight the good fight and do the best we can for our kids.

You're luck's in

Check out this link (I'm assuming that Sefton is no different to the rest of the country!) and scroll down to the Tax Credit section where it categorically states "Working Tax Credit is an income-based benefit"

http://www.sefton.gov.uk/default.aspx?page=6093

lol I've think we've all contemplated that route and besides we don't have a canoe!

hmm, good question. It might be worth calling the tax credits helpline and asking them - I usually found them pretty helpful. It's also worth seeing if they have a 'Sofa Project' locally - basically a sort of furniture charity that collect unwanted (but decent) furniture when people move or get new,...

Wasn't viable unfortunately - we did look into it first of all, and OH really wants to avoid bankruptcy (works in finance) if he can, so next logical step was DMP - or running away to Brasil under an assumed name