Response to Declaring himself Bankrupt

DON'T even think of declaring yourself bankrupt! Just wise up! £8k is a pretty small shortfall compared to most posters on this site. Have you applied all the advice about SARNs and putting the lender to strict proof of claim? If not do so without delay. Your husband has already offered way too much and should inform the Halifax that he is very disappointed with their unrealistic attitude and unless they accept his offer within seven days he will withdraw it. As a general rule Halifax tends to settle for around 5% of claims but only if you make yourself awkward by continuing to ask questions and request more and more information. Perhaps your husband is giving in too easily when with a bit more effort and determination he could sort this matter out. What would be the point in giving up his job? Don't let him be so defeatist. There is light at the end of the tunnel if you tough it out.

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