Help. I''m slowly sinking in debt brought on since divorce by years of court hearings from divorce, child matters and a winding up order from a creditor that left me personally liable for the debt. I am approx £45K in debt to numerous creditors and 4 months ago i received a CCJ from the court, claimant being my previous sol, that had been heard in my absence as my previous sol had been sending me correspondence to my previous address. I applied to have the ruling set aside as i was unaware that the matter had gone to court. Yesterday i received a General form of Judgement or Order from the court stating that
1. before the court can consider whether to list the defendants application to set aside judgement or make some other orders on the papers by 4pm on 27th oct the defendant shall file at court and send to the claimant a written statement to clarify
a) whether he disputes the sum claimed by the claimant or whether he is simply stating he cannot aford to make payments
b) in the event that he disputes the amount claimed he must indicate the nature of his defence in order for the court to consider whether it has any chance of success
c)in the event that this is only about affordability he should indicate his proposals and state his capital, income and outgoings.
2. To be referred back to the DJ after 14 days to consider listing or striking out the application.
I really dont know what to do given the amount of debt that i find myself in as i have no realistic chance of paying anything back to any of my creditors that i feel bankruptcy is my only option. The problem that i have is that i dont have the money in order to make an application for bankruptcy. I have my two boys for half the week under a shared residence order, one of them being registered disabled. I have zero savings, zero assets or capital, I am in receipt of income support, carers allowance, housing benefit and one of the children''s child benefit so financially i am absolutely crippled. I am trying to find work at present that fits around caring for my kids but it is proving extremely difficult. I feel like i am walking around constantly with a big black cloud over my head, am having trouble sleeping at nights and feel a bit like i''m a walking zombie all the time. I''m at my wits end. Can someone offer me any kind of advice please. I genuinely dont know what to do next. I''m desperate!!