The best place for you to go would be either your local C.A.B or your local county court. Because you are planning on Emmigrating to the USA, you have to find out weather you going bankrupt would effect you when doing this. You can find your local C.A.B on their website www.adviceguise.org.uk. You could also give us a call, as bankruptcy should be the last resort, it may be that we can have a look at a solution so you pay your debt back at what you can afford. Hope this helps and speak with you soon.