Visit your local CAB or Money Advice Centre - I am assuming you are in Scotland as this would not be the case in England and a lot would depend on the amount of equity. Their advice is free and they can also produce certificates of sequestration if they have accredited money advisers
Want to talk to someone confidentially, without obligation and free of charge?
http://www.trust-deed.co.uk/forum/topic ... IC_ID=1044
Also as mentioned previously you need a valuation. If it comes back higher than you expect you will be expected to pay more.
You seriously do not need to pay for help to complete a bankruptcy. Sarah and I have both said you can get this free at your local cab or council money advice service