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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 molly81[/i] [br]Hi Guys n Girls, i live in scotland and have lost my job and moved back in with my parents. i owned a property with my partner but cannot keep up the payments for mortgage and have no choice but to return the keys but i was wondering whethr to send back the house keys and wait for a sale to go thru so any shortfall is accounted for within the bankrutcy or does it not matter?? is it true that a trustee can take a home and sit on it for years if there is no equity in it? also i have one car which is on hire purchase(3500.00 value) but only have 900.00 left to go on this which my father says i should let them pay it off because its my only asset and if i did sequestrate then at least there is something to go towards the creditors wht do you think this is wise?? im sure i read somewhere ur not allowed to pay creditors off willy nilly as u wish!! can council tax gas and electric bills go into a bankruptcy?? i hope we are not thr only ones in this mess... any advice is appreciated [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.