Hello all. I got refered here from moneysavingexpert.com and I hope you can help. I have so many questions that I do not know where to start. I am being made bankrupt by Lloyds TSB for a mortgage I ran away from in 1996 or 1997 with my then wife. They want 20k off me, which in my mind is a silly figure but I am sure they are watertight on it. I was recently negotiating with them and I offered 3k they said they wanted 15k. They offered me 3k as a settlement about 12 months ago. I have only been in contact with them through their solicitor and have spent 2 weeks waiting for a reply to a begging email asking for a more lenient settlement. I emailed him to see if I had missed anything he may have sent and he said they are not negotiating anymore and will just go to court. This has me very worried, I just thought we would haggle and come to an arrangement. I, wrongly, assumed they would prefer some cash to making me bankrupt. I have looked at my bankrupcy summons and I have to put any opposition in 7 days before the court date. The court date is next Thursday. I know there is a lot more to be said, and I will answer any questions, but here are a few questions I would like answered. The biggest one; Why are they not negotiating? Am I liable for my ex wifes half? She lives in Thailand. What can I petition against this? Can I get the court date set back to better prepare myself? Does the judge have any powers to amend the amount owed? Thanks in advance