Joanne. I was in a similar situation to you not long ago and simply stonewalled the lender who sent letter after letter and I simply kept asking for the information suggested on this site. They would not/could not give give. At the same time they threatened me with bankruptcy and other court proceedings on 15 seperate occasions to which I responded "so be it", I will see you in court and ensure the court is aware of your default in not supplying the relevant information which would beordered upon disclosure anyway. They still did nothing.(posted 7101 days ago)The down side is that you cannot improve your lot (better job buy a another property etc) until the matter is concluded. So I took advice from a chap called Simon wiggins at www.debtquestions.co.uk, who is a professioanl debt adviser. His advice has been invaluable, but it is very dependent upon your circumstances.
I would strongly recommend you post a question on the site I have recommended if you if you are considering bankruptcy. His advice has literally kick started my life again.
Good luck.