im about 8 thousand pouds in debt and im struggling to pay it back.
i was in a serious accident and was off for work for 7 months and since then my finances have gone completely wrong.
i hate opening letters and dont answer the phone incase its about money i owe.
have you got any advice on going bankrupt and what i have to do? is this a good idea and how would it affect my life?
please help me, im so worried xx