I have an appointment with payplan tomorrow evening! The idea of bankruptcy is creeping into my head but i'm absolutely scared to death of it! Are you allowed to save after bankruptcy? I understand with an iva you are not supposed to and you have to declare everything to your IP? Do you still have t...

Did you declare yourself bankrupt?

Hello. Since leaving university i've had poorly paid jobs and invevitably i've lived off credit and spending more than i earn etc. I'm now 25 and i really want to clear this debt so i can do a few nice things before i settle down. I have unsecured debts of around 17k between 3 creditors (Egg Loan - ...