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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 bonechild[/i] [br]when do I file for BR? Today was the last day of trading for me. I am in arrears on the rent on my business premises and I have been funding the rent and service charge from personal savings and now I am overdrawn and maxed on my credit card. My husband took out a loan and then lent the business the money. I cannot keep putting money into this bottomless pit so I have decided to stop today and will tell the landlord on Monday. At this moment I still owe rent arrears of £1500. the landlord has a rent deposit of £2375. It is my hope that he will keep this deposit and let me walk away unscathed but in reality I am sure he will come after me for the 16 months rent left on the terms of the lease. Potentially I could be over £16k in debt. Do I have to wait for him to give me an actual figure before I apply for BR? I really am so scared he will just go to the courts and send the bailiffs to me straight away and I don't want to livYe my life looking over my shoulder and being scared all the time. i don't own my own home, i have no savings, i have a car which has a broken gearbox at the moment but it will £900 to fix. If I fix it, it will be woth over £2500. I don't want to give it up but don't know which is the best thing to do. My business is as a therapist/health professional. I could find work or carry on working if I go mobile but for that I need a car. Please can you tell me the best thing to do? And how much it would cost for someone to help me with this whole thing? [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.