Planed to file personal bankruptcy next month. Have dept of 82 k from personal loan, creadit card and bank over draft in three differnce addresses. The questions are 1.Do i have change them into one. 2.Have withdrew about 2 k from creadit card last week to pay for some outgoing ie.car repair, roadtax and min payment for other card, scared of them calling me if i don't pay. Robbing Paul to pay Peter at the moment. Many Thanks