I understand the points you are making but please note that I am simply looking for answers to the following questions; Can I make myself bankrupt whilst living overseas? Would this stop international debt recovery companies from chasing me? Is a debt accrued in the UK enforceable in Dubai? I am not asking to be judged or to discuss the moral implications of the whole thing. I know what I have done is wrong. Thanks

Do you mean send this to the loan companies or the debt recovery company? The companies haven`t sent me any correspondence or account statements for over a year now so I have no idea about charges.

I agree and I respect your opinion on this. I have basically made a mess of things and moving away from it all and a fresh start seemed like the only option. I wish I had never obtained credit as I clearly can`t manage debts or be trusted with money

Approx 18 months was the last payment to a credit card and the others would be longer. They are credit cards and personal loans.

can anyone help me

Hi, I would be very grateful if someone could offer me some advice. I was in a lot of financial trouble about 18 months ago and I decided to have a fresh start and left the UK and the debts behind. I owed roughly 20k and had no way of paying it back. I now reside in Dubai and have received a letter from an international debt recovery company called AIC who are saying that debts have been transferred to them and that they are going to chase me for them. I still have no way of paying this money back and am really worried that it is going to upset everything. I would like to declare myself bankrupt in the UK as I have no plans to return and this seems like the only option. Is a debt accrued in the UK enforceable in Dubai and would making myself bankrupt stop them? Is it possible to make myself bankrupt from overseas? I lived in Scotland beofore I moved so Scottish law would apply.

Hi, I would be very grateful if someone could offer me some advice. I was in a lot of financial trouble about 18 months ago and I decided to have a fresh start and left the UK and the debts behind. I owed roughly 20k and had no way of paying it back. I now reside in Dubai and have received a letter from an international debt recovery company who are saying that debts have been transferred to them and that they are going to chase me for them. I still have no way of paying this money back and am really worried that it is going to upset everything. I would like to declare myself bankrupt in the UK as I have no plans to return and this seems like the only option. Is a debt accrued in the UK enforceable in Dubai and would making myself bankrupt stop them? Is it possible to make myself bankrupt from overseas? I lived in Scotland beofore I moved so Scottish law would apply. Many thanks