After months of worry and lots and lots of phone calls from creditors, it finally came to and end,
I was absoluely bricking it. Got myself into a right state, cried when I had to sware on the bible, cried when I got into the office to see the judge, but she was sooooooo nice, she really did seem to understand why we had got so much into debt. She told us to walk out of the court with our heads held high, and not to feel guilty, as we were officially debt free.
It felt surreeal knowing we didn't have to worry about borrowing off peter to pay paul, but as I work full time I guess we will have to pay some money back.
Anyway to those of you contemplating bankruptcy or going for it, do it, as the judge told us, we were very brave in owning up to the fact we had a problem, and even more courageous in actually doing something about it.
Good luck to you all