We were declared bankrupt in November 2008, and discharged from it in June 2009. Although I didn't come onto this site much, I did come and ask some questions, and I just wanted to say thank you to everyone who helped me. My biggest thanks has to go to Paul at Reviva..without him, I have no clue as to how we would have got through all of this. He is a top bloke and I will be eternally grateful for his outstanding help. I can't begin to tell you how much better our lives are since we were discharged. We are so much happier, and totally stress free, and being bankrupt really made us think about the direction we wanted for our lives to go. Since we went bankrupt, we have made some big life changing decisions, which are proving to be the best decisions we ever made.