There was a programme on bankrupty on Friday night, it was on Tonight with Trevor McDonald. It was saying the rules have changed and you can get cleared up quite quickly now and if you had a business which went bankrupt you can starting a new business in less than a year. I cannot remember all the details but they were saying since the law changed people are taking advantage of this new system. Somebody was so overjoyed about declaring himself bankrupt he held a party to celebrate. He owed over �100,000 now he only owes a fraction of that which will be erased after a certain period about of time. He was so happy. It turned out it is easier to declare yourself bankrupt than pay your debts. I cannot advise any further it is only a programme I was watching Friday. I was cooking at the time so was only half watching it.