Hi. In 2007 my husband died, we unfortunately had no life insurance. Our mortgage was with GMAC RFC. Without my husbands salary I couldn’t afford the mortgage, they were charging me massive interest rates etc After a year I did a voluntary repossession. They then sold the house at a massive under value and DMS are now chasing me for a shortfall of £107k. I am a single mum who is surviving on benefits now in rented accommodation. I obviously don’t have the money they want. As I was in the accident that killed my husband, I had horrendous life saving injuries and it has taken me a long time to get on my feet but I received a personal injury settlement. However this was not a large amount and I have since paid all my debts to others and which has left me with nothing. What more do these people want? I have lost my husband, my health and my house. 6 years on they are chasing me. I want to try to get on with my life but obviously can’t. What are my options – do I see if they will accept a really low settlement offer or do I let them take me to court and go bankrupt (I have nothing to loose as I have nothing) or do I start to fight them (or the original mortgage company) who sold the house for far less – I have copies of valuations that I had done that were between 80k and 130k more than what they sold for and other smaller properties on the street sold for more and the house is up for sale again at a vastly higher price without any major work being done to it? It is hard enough losing your husband trying to survive with two young children without having to go through all this as well. I don’t have the energy to fight this and will take the easiest stress free option but I have nothing and do not want these parasites to be involved in my life forever. Any advice really very appreciated.