God where do I start ???? Well myself and my partner have a mortgage on a house , have done so for 2 years now , we both had debt following us around and decided after a year to get a secured loan on the house , this would have hopefully cleared most our debt and we could live more comfortably .......... Our house was bought for 142k , 133k was given as mortgage and the remainder was an unsecured loan , the secured loan we took out a year later was for 15-20k. Basically we are up poo creek without a paddle ! we have now split , he is living with family I am still here in the house , he cannot afford to pay the mortgage and secured loan on his own along with all the bills , neither can I , we had already defaulted on the secured loan and now the mortgage. We have had bayliffs at the door and creditors asking for money , I just can't cope anymore!!! What the hell do I do ??? If I go bankrupt do I do it before the house is repossesed ? will it all go into the bankruptcy ??? after the house is reposessed the shortfall is going to be way more than I can ever pay off ! Can anyone advise me on what the best thing is to do ? Thanks guys Marky Mark