BTL in my name was with KBC. Sold in March, leaving a residual of 185,000. Own home jointly owned in negative equity by about 200,000.and arrears of 17k Mortgage o/so is 400,000. Arrangemeets being made with Stepchange.. and Ulsterbank. ....hoping for some of it to be warehoused as we will never have that mortgage paid off. We have a tracker....payments are 1200pm. Reason for arrears....we have no savings and husband is seasonal work, so when some big expense comes along we have no way of coping with it (medical expenses or other necessary expenses). I am working ft KBC are not taking the sale of the BTL as full & final settlement...nor could I see them accepting anything like 10th to get closure. Do I go bankrupt and if I do, will KBC go after our home..?