To Needabreak, How are you getting on with your debt issue? Your predicament is very similar to my Dad's ! His company went bankrupt in April and he now owes Nat West circa 60k because they made him agree to personally guaratee an overdraft they now want back when he was trading. He wants to know if he can make an offer to pay it back in installments instead of them seizing his house or making him pay it all back in one go ? Can anyone advise on this ?? Mark