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  1. I hope this is in the correct section. I will try to be straight to the point here. Ran a retail business for nearly 4 years in local town center, business was ok and then I relocated to a new premises and took out personal loans from friends (as well as previous loans from family in the past). I lasted 7 months in new business location and the trade wasn't strong enough to support the increased rent, rates and general bills. I was a sole-trader all the way through (wish I had gone Ltd now) Cut to the point. I now owe £4000 in rent and service charges, £3600 in business rates, £1000 in HMRC fines (maybe more now not sure), and probably about £1500 - £2500 in other miscellaneous debts. I am running a business online now, still within the industry my retail store was in but not taking anywhere near as much money. Really is just getting by, still owe about £800 on house rent (my house mate is being really helpful). It just seems like I can not move forward with these spiraling debts creeping up. There's no way I can comfortably afford to pay thee debts off and the stress it's bringing is just not good for anything. I was looking into bankruptcy but am unsure if it will bring even more hardship. Judging on the above mentioned debts, what are peoples thoughts about me going bankrupt? I just can't see another way to clear this stress and mess.
  2. People in relationships are keeping as much as £41bn hidden from their partners across the country. Britons are sitting on a secret mountain of debt that they are keeping hidden from their partners, and women are more likely than men to owe more and keep their finances under wraps, a study has suggested. More than one in 10 women (11pc) said they hide their debts from their other half, compared with around one in seven men (15pc), the Co-operative Bank’s Modern Families and Households report found. It estimated that people in relationships could be keeping as much as £41bn hidden from their partners if its findings were projected across Britain. Nearly two thirds (62pc) of people surveyed said they have debt in the form of credit cards, overdrafts and mortgages. Men typically said they are £14,228 in the red, but women’s debt levels were found to be markedly higher, at £22,418 on average. More: http://www.telegraph.co.uk/finance/personalfinance/borrowing/loans/9502775/Piling-debts-hidden-from-partners.html
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