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Final Exit

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  1. I am considering bankrupcy but my situation has turned me into such an anxious and social retard, I can't even concentrate on a crossword at present, let alone contemplate going to court for bankrupcy. Is the stop paying and wait 6 years for the debt to be cancelled option a good one?
  2. If I am officially homeless (sleeping at friends' houses) should I continue to pay my token £1 monthly payments through direct debits, or stop them, and wait 6 years for my dca's to try and fail to find me, and the debts to then be cancelled? My debts are over £50,000 so there's not much chance of my ever paying them off and I have no assets anyway. I wrote and told all dca's that I was made homeless last July but the silly b*ggers just started addressing letters to my penultimate address
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