I will answer your questions in the order you have asked them. A1. Once you declare yourself bankrupt, all of your debts are included. You cannot go bankrupt with just one of your debts. A2. You will need to collect a petition form and statement of affairs form; you will be able to collect these from the county court. You can get help with filling these in from your local CAB. A3. Your creditors can still trace you even though you are living at a P.O box address, if you are looking at definitely going bankrupt you might as well start the proceedings now. Debt agencies can trace the debt for as long as they want, if you ignore the debt they will apply interest and charge on top so you will end up owing more than you originally did. Applying for bankruptcy in Scotland will make no difference. If you want to avoid bankruptcy then give us a call, and we will look through your details with you and try to find a more affordable and least drastic solution for you. Hope this Helps and speak to you soon.