I've said it before and I will say it again, cannot thank Richard P at Reviva enough for his help. Once again he came up trumps for me, sorting out a creditor today who was trying it on, trying to get me to sign a form which would have meant I agreed to a debt that wouldn't have been covered by the bankruptcy. Thank you so much Richard, I am so grateful that I came across this site and was able to enlist your help, I dread to think how I would have coped without your help, and to think at one point I thought I would be able to do this on my own, I now realise that I would have been in a right muddle if I had! Best wishes to all, Emm