thanks for all your answers McMillian only help while you are receiving treatment or just after I think the best answer is copy some of your letters stating why I cannot pay a nd inform them I will be saving for bankcruptcy and take it from there, there are no energy bills or rent or council tax only bank accounts and catalogues does this make any difference thanks

to cut a long story short I finished cancer treatment in 2012 got into a awful amount of debt my dad had cancer treatment at the same time but he died, my marriage fell apart I am on ridiculous amounts of medication including 2 types of anti depressents, i live in a housing association home which I moved to from a larger housing association house to be nearer shops as I had to sell my car as I had rent arrears I have no assets everything is in my husbands name, i look after my 3 year old granddaughter so my daughter can go to work, the debts are around £15000 which are mostly credit cards and catalogues, i have managed to now keep up with the rent and council tax but have piles of letters and court orders from capquest and others I am trying to save to go bankrupt but as this is now £750 it is going to take a while I need help with how to tell creditors I cannot pay and tell them I need to go bankrupt I have asked them all to start bankruptcy proceedings against me but they wont, now a capquest court order from Northampton has come again today and I just feel like ending it all if it wasn't for my granddaughter I think I would please help