Having struggle with debt I am wondering whether to go for bankruptcy. We have been paying a debt management plan for 6 years now and have barely made any mark on reducing the debt, the company we do it through have worked out it will take 23 years at this rate to clear! This has put our marrage under pressure and with 2 kids we have both struggled with stress related illness. As we are renting and have no real assets I feel for the sake of all concerned we should go for it. But would apprieciate your advice...before you ask debt occurred due to OH returning to education for a degree and PGCE and not a playboy life style!