Hi Tina,
Good advice from idi. In the uk, if you file for bankruptcy the house is an asset and the can take your half of it. So signing it over or 3ven selling it to your dad. Is that an option? And idi is right when creditors see that the only option recommended is bankruptcy, they change their tune. In the Uk, unsecured loans and credit card companies are not considered priority debts and you can offer them as little as one pound a month as long as you are dealing with priority debts which in the uk are Council tax, inland revenue ie tax, fuel and water rates. These are the priorities. You have a lot going for you to Tina even though you may not see it. You have a job and own a house. Just be aware that in a bankruptcy, they can take your home so you need to be very aware of that and plan for this not happening.
