Thanks for your comments. It was more about the quickest way of regaining good credit again. Go bankrupt and rebuild credit within 5/6 or continue paying what we are barely clearing the debt due to intrest. Say if it takes us 5 years to clear it we then have to wait another 5 on top to get our credit up.

That should say interest of benefit . Sorry

The debt on the house is for 6000 I think ( my husband usually sorts this debt)

I thought I read somewhere that if you are in negative equity you can apply for a benefit if I treat or something, and if you are in less than 1000 equity for two years and three months you can keep it. It was for a kitchen we had fitted it may be link financial services I may have to check. We used a debt consolidation and this was the only company refusing to comply. They ask us to up our payments every 6 months.

Thank you I wasn't sure where to put it

Hi, I'm not sure if I'm in the right place but wanted some advice regarding declaring myself bankrupt. My husband came out if work so we struggled to manage all our bills. We cut back as best we could but one if our creditors put a ccj attachment on our home. Which automatically clears when we sell . The problem being we are in negative equity and our credit is effected, we remain in bad credit from for 5 years from the day the ccj is paid. We currently make monthly repayments but they barely touch it. I guess what I wanted to know was is there a way I can keep our house, go bankrupt to clear the ccj that way we can start building our credit up again? This ccj will ruin our credit for at least 5 -10 years as we can't sell. It's disheartening. Many thanks in advance