When we go bankrupt my wages and our expenses will clearly show all we can pay are our living costs - but not our mortgage. You cannot get help with a mortgage so we are moving into rented in December. If OH has a job by then we can pay the rent - if not we will need to claim housing benefit. We are planning on staying in our house till December without paying the mortgage - using my pay for everything else. I was going to show this on the BR forms (as they will see there is no money left for the mortgage) is this all ok?????