Hi sorry to hear of your predicament, it may be that bankruptcy may be the way forward. get free advice from , good luck
Pros:
Stops the sheriff and creditors persuing you in the courts.
Keeps you out of jail.
Debts are gone in a definite time period.
Cons:
You can't be a director of a company or hold public office.
Takes a long time to clear, up to 12 years.
Court may sell your house.
You will never get credit again.
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