I have debt incurred in the UK a few years ago. I moved to South Africa and was making payments, but my contract ended and I was unable to continue. I got married and have a child and am working again, but earn only the equivalent of just over 300 pounds a month. My debt is about 16000 pounds and has now been transferred to a company in SA. By the time they have added interest and with the current exchange rate, the amount they are asking is huge. Even if I pay them every cent of what I earn until the end of my contract, it wont be enough. I live in a very rural area where the chances of getting another job are slim to none, and even if I did, the cost of transport would be so high as to negate the point in doing so. From nosing on the interenet the company that has now contacted me claims to only charge commission on successful collections, so is it possible that the debt has not been "sold", and is still owed to the original creditor? Can I clear this now by declaring myself bankrupt in the UK, or does it now have to be dealt with by SA law? Many thanks