my mortgage is 1360.61 pm & secured loan £366.51 pm.
My husband earns about 56k per year so not sure about ratio...
If I hand keys back will they chase me when the house is then sold at auction for what may be below market value?

not sure how much we would sve rented is about 700 - 900 pm. but we thought we may loose the house at this rate - so try and recoup some money buy selling - did not realize when the figures came thro - we were in negitive equity and add on the top estate agents fees - so can we stay and not loose ou...

When I have worked it out its about £200 left after paying utilities and car loans mortgage and food.
I have worked out a budget and gone thro to take out sky / denplan and all the orther things you can think of and just left the basics.

Hi, Sorry here is some more info ..... Owe 38K unsecure debt 10 creditors Have 2 hp agreements on cars 1 mine & 1 husbands(blackhorse & GMAC) House worth 250K Mortgage £214 - GMAC Secured load £46.5 - Picture. The house has been on the market for 7 months with no interest - we thought if we sold it ...

]I am thinking about declaring myself & family !!! bankrupt.

I am unsure if this is right it sounds so scary and I am worried people will find out ...

I have so many questions have hear horror stories about BALIFFS