Hi Everyone this seems like a nice forum so i will tell you a little about me and the bankruptsy i am planning.
I have around 16 thousand pounds on credit cards (which i have always tarted around to avoid paying interest)
I have a Finance agreement on a van (9 thousand pounds) i bought new around 18 months ago along with 20 thousand in personal loans. So i owe in the region of 45 thousand pounds.
I have always been able to make payments and have never defaulted (not even at the point of writing this) and have always been good with my money. Although i owe a lot i have always pai