hi dianne if this is the route you really want to take, you can start by filling the forms in online at the insolvency site, ring up your court to see what the time scale is, to see if you need to book an appointment or turn up on the day, book it if you need to book then you know the timescale you are working to, mine was the next day some are months in advance, once you have filled all the forms in on line you need to print 3 copies off to take to the court don't sign them as you have to do that there, any advice you need in filling the forms we will be here to assist.
in regards to bailiffs they can only turn up if a court order has been granted, lots of your creditors will threaten to send people round these are mostly empty threats however, if someone does come to the house you do not have to let them in, just inform them you will not deal with them on the door step all correspondence will be done in writhing and to please leave your premises.
anyone who is in debt that is struggling has this fear of people turning up at the door, it doesn't always happen, you will need £485 cash when you petition for your BR, good luck anything else please ask.
also i would like to add, if you have no assets then this is probably the best route to take, and believe me its not as bad as you think, its not an easy way out, but it is an end to your struggle.
kerri
Please view my blog at:
http://scaredkez.blogs.iva.co.uk/