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Hi,

Many thanks in advance to anyone who can throw some light on this please.

I have a house in UK which was bought before the financial meltdown. It is now in negative equity of about 40,000. I moved to USA permanently in May 2010. I do not have any other property or savings in either US or UK and my US salary is just enough to meet my expenses here. I cannot afford to pay the mortgage on my house in UK any more and I don't have the money to pay the shortfall.

 

Right now I am considering giving the keys back to the bank and filing for bankruptcy in UK. Before taking this desperate measure, I want to know whether UK bankruptcy will affect my credit rating in US? Also, when you file for bankruptcy in UK, will they (the receiver or the court) inform my US bank or employer about the bankruptcy? I have enough trouble in my personal life as it is and I dont want this to cost my job in US.

Once again, many thanks in advance.

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