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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 a_j[/i] [br]I owe about 3000GBP to Banks in the form of a loan and a credit card and have an overdraft of 1600GBP with another bank which is also being charged interest (although benefits money means that this bank is not actually asking for money right away) also i have a student loan of 12000GBP (which doesnt not need to be paid right away), i have no one way to keep up with payments and am being charged extortionate fees for late payments every month. I do not work and am on incapacity benefit making me uneligible for work, i only recievve 240GBP a month, I have tried many repayment plans and now the bank have said they are passing the debt on. I own no property or any possesions as i live with my parents, I'm 25 years of age and am probablly likely to go to prison for a year in January 2009 for ABH, i would like to declare bankruptcy before i go to prison and be done with this debt as its already spiraled out of control. Is there any advice you can offer me? What is the best plan of action? I feel totally lost and suicidal at the moment [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.