I live in france in a 1 bed bungalow with my wife and child of 12, I am thinking of going bankrupt but worried about the house which is in joint names, morgage is 87000 euros and we had it valued at 120.000 euros. I understand that all selling fees come out of my equity does this mean the solicitors fee as well because i think estate agents here charge 6% and solicitors fee is quite large, so i dont think there is much if any equity in the property. if there is a little could my friend pay the nominal £1 plus charges so that i could keep my house?