Hi My partner was fined 2 years ago by HMRC for £15k, (she got caught up with a pension spoof, where she lost everything) I started paying this debt for her and was then advised by Stepchange that I shouldn't be paying it and I'm not liable, my partner doesn't work due to depression and looking after our children. 2 days ago she received a letter from Fredrickson stating the debt was £9900 (no idea why its less than original amount and I didn't pay off that much) they are stating "Failure to contact them immediately will leave them no alternative but to recommend to their client (HMRC) to take enforcement action against her... which may include: 1) An officer of HMRC visiting her to collect payment etc etc 2) Legal proceedings being raised against her in court I am currently trying to raise the £650 to make her bankrupt (as recommended by Stepchange)..... MY question is, I know that some debt companies threaten etc but don't take action very quickly, if at all....its just scare mongering Are Fredrickson like this, has anyone had any dealings with them before, will they make good on their threat or do I have time (2 months) to get the funds required to make her bankrupt? Thank you