are you working or in receipt of benefits? It may well be worth an appointment with your local Citizens Advice Bureau, not only can they help with advice with regard to fees etc (especiaily if on low or benefit income) they can assist with the forms required to enable you to file for bankruptcy)
How much do you actually owe?
Melanie
Melanie Nicholas CertDR 30 years insolvency experience - 23 of which in the Insolvency Service - Insolvency Manager Jones Giles