thank you so much for getting back to me, i went to the citezens advice and they wer'nt particularly helpful! i beleive bankruptcy costs around £500? if so, do you pay that in instalments and do you think thats the best thing to do? We are on benefits (working & child tax credits) but my wife claims...

my house was repossessed in 1997, the halifax have passed my debt of £9000 to a collection agency, i dont work and my wife is on a low income and tax credits. what can i do?