If im working is it likley OR will control my money for 3 years?

syvci

Here is a list of my debts; do they take debts to friends into considerations? Based on my current circumstances will i get a one year or 3 year plan if i go bankrupt? what if i got my own place to live? Please let me know what your thoughts are

Barclays Bank Plc – £489.00
HBOS – £ 3,928.71
Link Financial Ltd – £7,630.00
Moorcroft Group Plc - £3,459.00
NRAM - 58250N11816 - £23,422 (joint debt with ex from sale of house)
Natwest/RBS – £1,400.99
Natwest/RBS - £ 1,303.03
Paragon Personal Finance Ltd – £ 4,934.00
Wescot Credit Services - £ 1,992.87
In addition i also owe around £1200 to HMRC which is gaining interest

Here is my current income (temp cpntract till July)

1200 - Wage

80 car insurance
160 travel expenses
160 food
20 gym
50 Mobile Phone
25 Virgin Media
70 (council tax back payments (only two months left to pay)
200 rent (just moved in with mum although this will not be permenant)
10 Haircuts
30 - football subs

total - 780

fermi

In theory debts to friends/family should be added to the list.

For those expenses (some like gym/subs/etc likely dissallowed) with that income you are likely to have an IPA for 3 years.