Can anyone point me in the right direction?
I owe about £65,000 in unsecured debt.
I have one CCJ (to Barclays) for £11,000.00. I'm 6 months in arrears with this but have started payments again after having received a Notice of Attachment of Earnings ranings from the Court which I completed and returned with an offer to continuing the payments. I am self employed and earn about £1000 per month after being unemployed since July 2006.
Anyway, I have seen those ads that say your credit agreement may be unenforceable - as I understand it - it is something to do with clauses in the agreement that relate to insurance - is there anyway I can go after my creditors based on this - or should I just declare myself bankrupt?
Thanks for taking the time to read this and for any replies you might send.