Hi Suzannah,(posted 7095 days ago)Don't want to be the bearer of bad news but although what Mark says is somewhat correct if B&B can show you deliberately went bankrupt to avoid the debt they can extend the terms of bankruptcy - nasty I know!! My husband has just settled a £37,000 debt for B&B, via Drydens, using the IBAS (Independant Banking Advisory Service). For a small (much cheaper than legal fees) sum of £195 they take over your case and negotiate a settlement for you. I would give them a try first if you can, they were very, very good at telling us what to and what not to say. It has to be a better option than going bankrupt initially, and if it turns out bankruptcy is your only option then so be it. Good luck.