If you return to England just to do this your debt will probabley be discharged after 18 months ( 6 monthes plus 12 monthes) but under the 2002 European insolvency legislation and the 2004 Enterprise Act your debt can be recharged should a creditor find out and be bothered to action.
Sorry to hear the mess you are in . From what you say you are clearly Bust and should act fast to avoid getting into deeper xxxx.
My other realistic option is to return to England and do it there where the debt is discharged after one year.
Don´t think I´m trying to shirk any obligations or am happy about this course of action- I am not but I am essentially papped.
Do I have any other options. Any other thoughts?[/quote]