Hi I am looking for some advice i am unemployed and in debt amounting to around £11,000 im being bombarded with phone calls,red letters ect i know it does not seem like a lot of money compared to some peoples but to me this is a lot and the main problem insmy bank accounts with constant charges,I had a gambiling problem which is where this started and was then laid off my job when i became pregnant im living in a council flat with no assets and recently spoke to a local debt advisor who told me bankruptcy was not an option as a creditor would have to bankrupt me since looking around the internet i have learned this isnt true i could bankrupt myself the amount i owe is rapidly rising due to fee's for letters ect i live in Scotland so dont know how varied the proceedure is from England but am desperatley looking for some help as this is really getting me down and im literally losing slep hense posting this is this small hours any help or advice greatly appreciated rach