thanks everyone, had a better nights sleep last night, just about to look online for the forms....fingers crossed!

that makes me feel better, just one last thing before I go to bed to finally get a better nights sleep - am I best getting the forms and filling them out myself or should I seek help from the CAB or a solicitor - the thought of filling out complicated forms is very daunting! x

yes, the things I have read have given me more confidence, this forum has been very reassuring. Just one more question, how long would it be before I could follow my ambitions of setting up an online shop? Would a bankruptcy affect this, I hoped to do it by the time my daughter started school in a c...

Thanks for your reply, I entered the DMP with CCS because I was too scared to make myself bankrupt, I am worried about what people (who may read it in the paper) may think, particularly my parents! But now, when it is apparent the debts will last forever, I need to take some action, but bankruptcy s...