Hi There I am about 13,000 in debt. I went to a place called 'AllClear Finance' in hope to solve my problem. They asked for £121 a month in order to deal with all my creditors etc but i am now finding it very difficult to pay that and fear the worse. I am on JobSeekers allowance, whereupon the government feel that i can not only support myself and my partner but also an 11 year old son on £21 a week (my partner gets Incapacity benefit but i got told this wouldnt affect my benefit) which it clearly has. Anyways. My dillema is only getting £84 a month to survive on, paying £121 a month to clear off my debts is somewhat impossible. My only fear in the bancruptcy legacy is what would classify as an Asset (treat like i am think hear lol) I am renting my accomodation from a Housing Assossiation, I do own have a car, other that the clothes on my back and the furniture with which i sit which i wouldnt classify as an asset. So what i am asking, although not classified as an asset to me, would things like TV's DVD Players Furniture PC's etc be classified as an Asset? if so, then what is the difference in making myself banukrupt if at the end of the day, the one thing i wish to avoid (ie the baillifs coming round to seize goods) and going bankrupt, if that eventually is going to happen anyway?? Thanks for all answers