struggled with my depbts for approx 12 years

[d.d]

I have struggled with my depbts for approx 12 years and have been on a debt management plan for this time. My circumstances will be changing soon due to me giving birth to my first child in June 08 and will be on maternity leave from may 08. Therefore as i will be on statutory maternity benifit whilst on mat leave i will be unable to make any further payments as i will have no expendible income what so ever, infact I will not have enough money to pay even my utility and living expenses.
I plan to take off 6-12 months maternity leave and when i go back to work this will only be for 20 hours instead of 40 hours (as I currently work). Will they introduce an income payment order on someone in my circumstances. I do live with my husband and we share the bills, but he too will have to declare himself bancrupt.
Is bancrupcy the best options for me. As even when i go back to work i will not be able to maintain payment to my debt management plan.

thank you for your time.

[J-DOUBLEYA]

12 years !!! If bankruptcy is an option now you need to ask whomever advised you before why it was not an option before ?

I suggest you contact a free debt advice agy and get a full check on all the options available to you

[MelanieGiles]

I agree with the previous poster. Debt management does not seem to have got you anywhere, and it is now time to put your priorities together and consider whether your future is better served by getting rid of your debts once and for all. Do you have any assets which would be at risk under bankruptcy proceedings?

[Skippy]

If you don't have any assets that would be at risk under BR then you should really think about it. It would mean that you could have a fresh start with you baby. Good luck.