Hi jussyj
That's really good advice from Melanie, and there is life after Bankruptcy. I was made bankrupt in October 1995, and then it was for three years ! Discharged in October 1998, I arranged a mortgage with HSBC in March 2002.
If you go the bankruptcy route, you will exchange a debt of £13,000 with a heartless finance company for a debt of £485 with caring parents.
If you don't, nothing changes.
Talk to Melanie, listen to her advice, act on it, and HAVE A VERY HAPPY CHRISTMAS.
John Tegg
www.protectiva.co.uk
0845 673 9999
We will make all your IVA payments for you if Accident or Sickness stops you paying them yourself.