I would suggest you could look at the sister site to here www.bankruptcyhelp.org.uk as there are experts on bankruptcy on that site plus others who have are or have been bankrupt.
You should also contact the citizens advice bureau and their site address for the Birmingham area is bcabs.org.uk. Hope this helps and good luck.
I am in a similar situation and I'm currently considering BR. I can say that the best advice I was given was to speak to an Insolvency Practitioner to get a FULL understanding of my options.
From my own personal experience and for a completely non judgemental, professional and clear unbiased advice I would recommend you speak with Melanie Giles at the IVA Advice Bureau and Paul at revivauk.com
Both of these people helped me immensely and I'm so glad I called them both.The advice was FREE too!
Don't worry and get as much advice as you can before you decide on what is the best option for you.
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