Basically I have now went back to work but I have had to change my hours to part-time because my health cannot cope with full-time hours. I therefore will not be able to pay very much to payplan on my dmp. My creditors are now ringing my workplace as well as ringing my home constantly and some of them are still added interest and countless fees and I now owe well over £25k.
I really really cannot cope with the stress of this for very much longer and really now feel that bankruptcy is my only option. I don't really understand what way a few things work regarding bankruptcy. For instance I pay the home phone by direct debit which is up to date and also my mobile phone which is also up to date. What happens with these? I also pay life insurance for my mother from my bank account, what would happen with this?? When I got the dmp started I closed my bank account and got a basic bank account with Nationwide. Would this have to be closed and another one then opened with the Nationwide again?? Would I be able to do this??