in 2009 i gave the keys to my house back to the bank. At this time myself and my wife moved to Portugal as i had been offered a job there. A month later I return to UK and applied for Bankruptcy in November 2009. My wife was going to do the same but was very ill and we thought i would just do it all (but mortgage) the debts were in my name. in 2011 we return to the UK because my wife was still very ill. I started to work from home and we are very stable again. My wife does not work and holds no bank accounts etc.. All my debts are dropping off my Credit file just before Xmas we received a letter from DWF addressed to my wife asking for 45K as the shortfall from the mortgage debt. I check the CC file and the default date is 19/02/2010 . The letter said they would reduce the debt to 13K if we paid now. We do not have that money spare.. A few ago got another letter saying they deadline for paying reduced amount had expired but they would increase time to pay by another 2 weeks, they seems to me like there something wrong with the debt. I received other companies collection letter 3 years ago but they were addressed to me and not my wife so i just sent them the bankruptcy details and told them it was nothing to do with me. This is the first time they sent letter to my wife. extra information: We live in a private rented house. I work full time self employed. Have two children (5 yo twins) No other debt. Any suggestions on out coarse of action?