Hi and thanks, both MelanieGiles and Reviva UK, and sorry about the silly (temporary) name "bankruptcy" (it's michael). The reason for choosing bankruptcy rather than an IVA is that according to both the local CAB and CCCS (I've had several interviews with both), I have not got enough 'disposable in...

Hi, if one has debts where the creditors are credit card companies (Barclaycard, Egg, etc), should these be regarded as 'unsecured creditors' (especially when it comes to filling in the form for bankruptcy: statement of affairs)?