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Here Is Our Soa...ready For Bankruptcy

HELLO ALL WE ARE IN A BIT OF A SITUATION
WE WERE ADVISED IN 2006 TO GO BANKRUPT BY CAB.WE NEVER DID IT AND WISH WE DID,MANY YEARS AGO 11 WE GOT OURSELVES INTO DEBT AND BASICALLY HAVE ALWAYS BEEN IN THE SAME SITUATION ROBBING PETER TO PAY PAUL ETC.WE HAVE 3 CHILDREN AGED 10-8-6.WE ARE ALSO BOTH SELFEMPLOYED MY WAGE GOES UP AND DOWN AS A HAIRDRESSER VARIES FROM WEEK TO WEEK AND IS ALL CASHAPART FROM THE ODD CHEQUE.WE HAVE AN ACCOUNTANT TOO.

Monthly Income Details
Monthly income after tax...........2080.....
Partners monthly income after tax....... 800
Benefits............175.60....................
Other income................-............
Total monthly income.................3055.60...

Monthly Expense Details
Mortgage................................ 1046.33
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 190.00 INCLUDING ARREARS
Electricity............................. 50
Gas..................................... 50
Oil..................................... 0
Water rates............................. 33
Telephone (land line)................... 35
Mobile phone............................ 65 FOR BOTH
TV Licence.............................. 11.29
Satellite/Cable TV...................... 40.00
Internet Services....................... 15.00
Groceries etc. ......................... 500.00
Clothing................................
Petrol/diesel........................... 400
Road tax................................ 30
Car Insurance........................... 70
Car maintenance (including MOT).........
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 18.04
Buildings insurance..................... 15.00
Contents insurance...................... 17.00
Life assurance ......................... 28.33
Other insurance......................... 11.66 PUBLIC LIABILITY
Presents (birthday, christmas etc)...... 30.00
Haircuts................................ 0
Entertainment........................... 100
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses..........2755.65........
Cash.................................... 0
House value (Gross)..................... 155.000
Shares and bonds........................ 0
Car(s).................................. 5000 CAR AND VAN
Other assets............................ 0
Total Assets............................ 160.000

UNSECURED DEBTS
Description.LOANS,CATALOGUES AND STORECARDS..............Debt..45000....Monthly...1000
Total unsecured debts..........45000..................

Total monthly income.................... 3055.60
Expenses (including secured debts)....... 3755.65
Available for debt repayments........... 0
Monthly UNsecured debt repayments.......
Surplus(deficit if negative)............ -700.05

we have now moved out as advised by a company(no names mentioned)we were paying a fee of 700 to help us but has been a huge let down so we have decided to apply for bankruptcy ourselves.
my children do cubs,football,simming etc do they allow this
now we have moved out here is what we pay now so will we have an ipa or ipo.
any advise needed!desperate now as missed payment on my ccj on 25th

rent 725
water meter 45
gas/electric 90
phone 25
internet for kids 20
btvision 20
car ins 45 due to area
van ins 47 due to area
buildings ins 19.34 for mortgaged house
contents 29.54
tv licence 11.29
food 500
public liability 11.66
ni 23.00
breakdown 12
petrol 500 for both due to live further away from schools and my work.
mobile phones 60 for 2
football,cubs,swimming 80
car maintence 50.
tools 25
adding the above up looks like we got left approx 717,
IS THERE ANYTHING ELSE WE NEED TO ADD OR MARK UP OR DOWN PLEASE HELP.

MANYTHANKS

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