So, my story is quite a long winded one, here goes;
I accrued debts of around £18,000 whilst at University, (student loans, graduate loan, overdrafts and a couple of credit cards). Also someone stole my details and ran up a nice big bill for a catalogue, which was very kind of them.
When I graduated I just couldn't find a decent job (the full graduate loan was approved with gross earnings of £8,100!!!) , and I struggled with the payments. I think I managed around 4 or 5 before getting into seriously deep water and started "Robbing Peter to pay Paul). I moved back to my Father's house (which mean't moving towns and having to look for another job). It was almost imposible to find work, I was either overqualified for some jobs and underqualified/not enough experience for others. I ended up stuffing envelopes for £3.00 per hour.
I kind of flipped!!! I just packed up my stuff and moved to another country (leaving my family to field calls from the various institutions demanding their money back). I just left it all. I did originally go with the intention of working to keep up my payments and returning in a few months to decide what I wanted to do. Fate waved her magic wand and I had a car crash (writing off the car I had paid for with my Graduate loan) , I just went into a mad panic and decided that there was no going back. A few years later, I had a serious life-threatening illness and from then on I thought life is too short to be worrying about this. Now I'm better though, I've started thinking about tying up loose ends
I met my husband and was honest from the beginning about the situation, his attitude was that what happened in the UK has no bearing on the country we live in. I have been back to the UK several times, but every now and then my Father still gets the odd phone call, or letter. My family has forgiven me for the crap I have put them through, but I can't forgive myself. I've read that you can apply for bankruptcy whilst living abroad as long as the petitioner is present when filing. Would I be able to do this ? It has been nearly 7 years since I made any payments. I can't even remember properly what I owe and to whom. If I become bankrupt, will my married name be published or my maiden name (I would rather it was the married one because it would cause less embarrassment for my family).
We would like the option to come back to the UK to work, work is scarce here and low paid with little opportunity. I have been unemployed / housewife for the last 4 years so my earnings are zilch, and my Husbands earnings are just enough for us to get by.
Psychologically I had a lot going on at the time I ran off, I was in a very bad place (due to other factors as well as financial) , I was drinking far too much and looking back, I think I was suffering from some sort of breakdown or depression. I thank God I found my husband. I'm deeply ashamed of what I have down, but reading other people's experiences I realize that I'm not alone.
Thank you in advance for any help