Since we bought our home 6 years ago, we've always been stretching things a bit, but we both had good jobs. Since our income has dropped since the birth of our son, things have been very difficult. I went back to work full time to start with, but was using half my wages on childcare....so didn't see the point. I went part time, but again the figures didn't add up. The stress is enormous, and I think we have both decided that bankruptcy is the only way as our debts are huge. Has any one been through it....any advice would be very much appreciated.