Hi Alan,Don't file for bankruptcy. I thought along those lines, but there is no need. I had shortfall claim against me for 45K and by the time it got to court to court I was lumbered with a judgement against me for nearly 75K plus a charging order on my property. All this settled for A one off full and final settlement for 4K thats approx 5% of the total debt.Charging order removed and judgement satisfied. All for a low interest free monthly repayment to family for lending me the 4K(posted 8030 days ago)Best of Luck, Daren