and things will get easier for us now we have decided to finally go ahead with it
It really will. I was as terrified and confused as you only 6 weeks ago. I've been bankrupt for 2 weeks and my only regret is that I didn't do it sooner. As long as you are honest, informed, and well prepared, you really will be OK. Good luck
Thank you both. We both submitted our forms this morning after the rent and utilities went out. Never been so scared to click submit before. It let us adjust the ballance also so that solved my stressing after all! Thanks again.
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The easiest experience are the well researched and planned ones