Thankyou very much - how do I now found the thread I posted. Newbie I am afraid! Elaine

Hi there Any advice would be appreciated. My husband and I are both self employed, work really hard and tried different business ventures that have failed - we are on the right paths now tough we feel. With a new child and two others & 2 businesses, we have seen ourselves slip into debt with credit cards and bank loans to the value of £32,000 (£8000 is a car loan and £4000 is a business loan). We rent out our house which we jointly own (on Interest only and we make a loss), and we rent ourselves in an area where there is more work for my husband. We have joint bank accounts, joint mortgage but we have our own credit cards. Can one or both of us go bankrupt? No idea where to go to for help to get all the details. If I do, will I just clear MY credit cards and will it affect my husband? If we both do, will they shut down our sole trader businesses - work so hard and still up like this. I see all these people better off on benefits and it make me so cross. Any help or direction would be appreciated