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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by storm[/i] [br]Hi there, After spending an hour or so reading through other posts I am still at a loss. I have looked at the advice on the main site aswell and have come to the conclusion that I cannot repay my debt via IVA as I am on Incapacity Benefit. I have also seen the price to apply for Bankruptcy and also noticed various people mention that people on certain benefits may get a discount. Being on IB would I qualify for this discount?? I have considered banckruptcy for a while but have been just about managing, only since applyin to NatWest to upgrade my account from their basic Step account to a current account I had my account closed also I hav applied to all the main High Street banks with no success of opening a basic account and even Citibank have turned me down. I am waiting on a call from Think Banking after reading another posters problem on bank accounts. Any help would be gratefully appreciated. Is there a set minimum amount for declaring Bankruptcy as I haven't worked out the total figure but believe it to be over £10k. Many thanks Paul [/quote]   Check here to include your profile signature.