Yup, am aiming to go bankrupt before I start back at work. It's (only) for about £17k but it seems like it's worth the risk; I've been on a payment plan with the CCCS for about 2 years which has screwed my credit rating anyway. I can either carry on like I am for the next 10 years with rubbish credit struggling with a baby or go bankrupt and just have rubbish credit for 6 years.
I don't at the moment really have any assets, my car's not valuable enough for them to take and my name isn't on my boyfriend's mortgage. The house is the only thing that worries me though, if they think I have a "beneficial interest" in the house it could get messy. I've been here 3 years but that's not totally proveable (ie I could probably say 2 and get away with it) and I've never paid half the mortgage in a formal way, although whilst I was working I did pay money to my boyfriend which was about that amount.
Has anyone been in a similar boat? Any advice?