just anothet question if anyone can give me advice
after i have filed banqruptcy and have been accepted will i ever get a morgage again or not as when i gave my house back to northern rock and told them i couldnt afford it anymore i was not behind with any payments and moved out straight away ??????

thanktou so much for your advice and i now agree reading all the advice given the only option is fileing our own banqruptcy
if i was to go with a iva it would leave us pennyless
thanks again so much
what a wonderful website

to be honest scooby i think your right just trying to do the right thing and pay some of this money back but looking at it i really havent got the cash to pay back i have already given my house up and my credit rateing is zero all through trying to make something of our life starting a buisness was ...

hi thankyou for getting back to me my household income per month is £1700 my outgoings on bills and rent per month £1250 that leaves £450 per month for us to live on ie food petrol and kids needs this is without paying any creditors at all our debt is around 45-50k what do you think now any advice i...

any advice? my husband lost his buisness 1 yr ago that has put myself and husband into difficulty this is how it stands at present cab have got intouch with all creditors and i am paying £1 at min but not for much longer we gave our house up to northern rock that has now been sold by them with an ou...