Hello, my husband is british and I am american with an visa (permanent). We are married. Together we owe about £28000. My husband is thinking about going bankrupt, because we are now unable to afford repayment of the basic things ( we are also applying for housing assistance). We do not own any property, but one van. My husband is self employed but no accounts in business as he is basically a handyman. My question is this: I too am not making any money. I have two cards in my name: totaling £9000. Will these be included in his bankruptcy or are only bills in his name included? Will electric bills in my name be included, etc. We are £2600 overdrawn in our joint bank account. Will all this be included in his bankruptcy or will they not include it because my name is on it? Or would I have to file bankruptcy as well and if so can I in the UK if I am American? Forgive me for so many questions. How would you suggest we go about resolving these issues: should I try to get my name off of the account and all utilities, etc or can we file joint bankuptcy even though I am American. I have tried to contact the CBA but I can never get through on the telephone. Also appointments are by the same telephone number.