Is bankruptcy my only option?

Monstrous

Hi there, (sorta) first time poster. I'm worried right now about the options I have so I'll get the details out the way first.

My current debts stand at about £18,000 in finance purchases (Barclays, V12, Hitatchi, Money Way), £1000 to Santander Cards LTD, £600 to RBS Cards.

I'm a bipolar sufferer, and my crux seems to be expensive purchases on a whim. I'm current paying out about £600 a month in finance purchases alone. I have no other expenses as my partner pays bills/rent.

I lost my job last month and had to live on what I have sitting about. I haven't missed any payments on any of my finance agreements in the 18 months that they've been running. I should manage to make my payments this month, but after that I'm at a loss. I have no income at the moment to pay anything back, and although I'm constantly looking for work, I'm finding nothing.

If I don't manage to make all my payments (and if I do, I'll have no money to live on), what options do I have? I know Bankruptcy would be an option, but is there anything else? I've been reading about Scottish Trust Deeds but I don't have any regular income.

Any help would be appreciated.

Keeping_Positive

Hello I would speak to the experts at step change or CAB. Are yiu receiving any help for the bi polar?A support group or charity for mental health will most likely have come across something like this before and give financial help. Good luck