Guest: (That sounds impersonal sorry.) Anyway, offer them payment by all means even if it is only a few pounds a week. I don't know how they do it over there across the pond but don't ignore any correspondence! This is very vital! It toook me seven and a half years to get out of that fix. If you can trust family or friends, you can put your instruments, CDs and computer etc. in their name (Provided they're not being sued for payment.) If it is serious enough that you are worried about balliffs then get a good solicitor or see the CAB (sp?)as soon as possible! I can not strss this too importantly! Unless there is absolutely no other option, do not declare bankruptcy!Don't move to avoid payment or any of the other "cute" options that might present themselves. If you're willing to pay, the court should be reasonabl;e even if your creditors aren't. Lastly, don't give up hope! Check in here often. There are people who are willing to help even if it is only to let you bend a cyber-ear as it were. best of luck and kindest reguards. Neil PS, we do hope to hear from you with better news and on musical topics., Irish Sergeant