Big Shortfall claim! I am lost

We purchased a flat in 91 when he was 18 and I was 21. The financial pressure caused us to split up and I posted the keys back. We were finally repossed in June1994. We have since reunited have children -number 3 due in Sept. I purchased my council property in Dec 99 - because it was cheaper than renting. Everything was ok - I thought I would not get another mortgage. Then 3 weeks ago I got a letter demanding #35000. I was stunned . I have ignored all correspondence up until now, but am about to write and say I am seeking advice. I phoned a debt line who said that I could probably offer them around #3000 and they would accept, but I don't even have this. With new baby on the way I am lost... any advice would be welcome

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