OK so this morning I had a relative ring me in tears, she has no one else to turn to etc. She has got herself into a terrible financial situation which she doesn?t know how to rectify. She is a single parent, hasn?t worked for the last 7 years and lives in rented accommodation, her only asset as far as I understand is her car which isn?t worth much. Somehow over the last 8 years she has got herself into 30,000 pounds worth of debt via credit cards and a loan company. There is absolutely no way she can pay this amount back and is currently receiving notes through her door from said loan company. She is distraught and worried for her son. She has spoken to a debt helpline and they have advised her to file for personal bankruptcy. I have absolutely no idea what the above entails and feel helpless as I cannot offer her any advice and she cannot ask any of the other relatives as they are rather old and she doesn?t want to burden them with the worry of it all. I wonder if there is anyone here who can offer any sort of advice on how she should proceed please. If she goes down this route will they be entitled to take all her possessions? Will it cost more money to apply for bankruptcy? Any advice and I mean any would be greatly appreciated. Thank you.