first time post - I have just received a letter from BW legal on behalf of Lowell Portfollio I dont understand any of the jargon inthe letter it says I could be made bankrupt if I do not pay or make them a offer I have no equity in my house I am working CSA has a libility order on my house should I make them a offer of payment or will it be better to be made bankrupt I have about 8 other creditors chasing me for money I have very little disposable income I have a 2 yr old Can anyone give me advice If i do nothing what will happen? Has anyone else had dealings with this company