to cut a long story short
I finished cancer treatment in 2012
got into a awful amount of debt
my dad had cancer treatment at the same time but he died,
my marriage fell apart I am on ridiculous amounts of medication including 2 types of anti depressents,
i live in a housing association home which I moved to from a larger housing association house to be nearer shops as I had to sell my car as I had rent arrears
I have no assets
everything is in my husbands name,
i look after my 3 year old granddaughter so my daughter can go to work,
the debts are around £15000
which are mostly credit cards and catalogues,
i have managed to now keep up with the rent and council tax
but have piles of letters
and court orders from capquest and others
I am trying to save to go bankrupt but as this is now £750 it is going to take a while
I need help with how to tell creditors I cannot pay and tell them I need to go bankrupt
I have asked them all to start bankruptcy proceedings against me but they wont,
now a capquest court order from Northampton has come again today
and I just feel like ending it all if it wasn't for my granddaughter I think I would please help