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Tim dont go the full bankruptcy route i was in debt to the tune of £45k a few years ago and took an IVA out i didn't loose my car or anything i owned just pay a fixed amount for 5yrs i was paying £1300pm out then i am paying just £400pm now then i am debt free. I was with TSB also at the time Robbing b******* i have got just over 16 months left to pay on it.
I hope is dont come to that for you but its just another option
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