but to save you time here is the summary.
Born in Scotland and through numerous younger years stupidly took out credit cards and personal loans (oh to be 18 again and have the ability to just say no) These amass to about 30,000 GBP in debt, In 2004 I immigrated to the US and married my American wife. We are now settled here but still rent and the car is in her name so I personally have no assets.
Yesterday I receive a phone call from a company called CCB Credit in the US, they work with Link Financial in the UK who has purchased my Barclaycard Credit Card debt, currently $5050. Hence the worry, I don't have much in the way of credit yet in the US as it is very hard to build when you have no long term US history but the last thing I need is a company here requesting money and completely blowing away any chance of credit. Now i simply cannot afford to be sending money back every month to pay off credit cards and loans, I tried for a while with payment plans but between myself and my wife's income we simply cannot afford it which is why I am looing into bankruptcy.
My question here is this, is it possible? Can I file for bankruptcy in Scotland when I am resident in the US?