I have debts in the region of £6000 to multiple creditors. I am not currently employed, as I am a full-time mother. I own no property, but privately rent, with which I recieve help through Local Housing Allowance. My only income is £80 per month child benefit. One of my debts is for a payment plan for a television bought while I was living with my ex-partner. I no longer have the television, and cannot meet the payments on it. Due to failed payments, my credit rating is very very poor. Is bankruptcy an option for me?
if you follow this link Carlo recently posted "I am an ex student", it follows the same rough enquiry as you have asked, it has some good links and info about debt relief orders.