This is my first post but I have been busy trying to read through various threads to try and get as much information as I can. My husband who is 56 years old is considering bankruptcy as an option. His only income is Incapacity Benefit and it is very unlikely that he will be able to return to work as he has health problems. I am disabled and w/c bound as I have primary progressive multiple schlerosis. My job is at risk due to organisational charge and the team being moved to another part of the county. I am not well enough to cope with the daily travelling involved. This is another reason why my husband is considering his options now because if I lose my job then our only income will be whatever benefits we are entitled to. The only assets my husband has are our car and a small pension from the Prison Service due when he is 60 years old. The pension is only for 14 1/2 years as it was frozen when he left the service. We live in a 2 bedroom privately rented flat. All of our essential bills are paid by direct debit/standing order from my account. Our concern with the car is that as I am disabled and with my husband's health problems we do need transport. I do not drive and our car tax is paid by the DWP as my husband is my nominated driver. The car insurance is paid from my account. The car is an R reg and not worth much moneywise but is our lifeline. We could get a car through mobility but we do not want to use that option until this car falls apart. None of my husband's debts are behind in payments but will be in a couple of months time so he wants to get things sorted sooner rather than have to deal with debt collectors, numerous calls + letters, especially as one of his cards is with MBNA. I have been following some of the threads and with my disability I need to keep away from stress as much as possible. My husband is going to arrange an appointment with our local CAB to see what options they can come up with but any other advice would be most gratefully received.