hi Jackie.

with regards to the bankruptcy.

If you go down this route it may not help. you are already paying out small amounts that are the legal requirement? even with bankruptcy you will have to pay an amount although you can wipe some of the debt. however you can reduce these amounts by going through the cit adv and come out of it the same. bankruptcy can cause a lot of stress and is not a dignified affair. With your current health, I would reccommend that you steer clear of it for now. you need to ring any relevant companies that are outstanding and explain to them your situation. I know (from past experience) that it is tiresome but so long as ALL of them are aware of your position then they are limited in what they can impose on you. please ensure that they are all up to date.