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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 Andy.73[/i] [br]My wife and I have a seemingly never ending financial noose around our neck. It feels like we have no choices in life at present (e.g. can't move house, can't rent house due to negative equity, both have to work full time when we would like one of us to be at home with our baby). Our debt is generally a result of getting a 125% Northern Rock mortgage 7 years ago, home improvemment and childcare costs for 2 children. Including morgage negative equity and loans, we are about £45k in debt (it has been £60k). Despite paying off around £500 per month the figure is coming down painfully slow. We have tried IVA, but we were constantly pestered by creditors and it wrecked our credit ratings. We have made our own private agreements since. We earn approx £65k between us and are desperate to move house and possibly emigrate. I wondered what the best options are for us? Is bankruptcy an option or do we earn too much (on paper)? Does having a bankruptcy affect visa applications? Thank you Andy [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.