first i'd like to say i am writing this on my phone as hav no internet so apologies for poor grammar and spacing etc. We purchased our house in 07 for 305,000euro. Payments were always high but manageable as both had ok wages. From april 11 our situation changed and hubby was out of work until now. I was also put on 3day week and big drop in income. Could only pay 300euro a month and this was agreed wit lender. We are now 8,000euro in arrears and i am on illness benefit due to depression. Bank want us to go interest only for 6months at 1,022 which after food bills and all necessary household bills and bank loan that has been restructured as devised on sfs we would have 40euro a week left to cover any extras. I don.t know what to do or how much more i can take. We can't trade down or sell the house as its worth 110,000now and would stil be liable for the shortfall.plus we would hav to find somewhere else to live and still be liable for shortfall if voluntary surrender. We hav a 6month old baby and it breaks my heart to think we are living on a pittance and can barely provide for her. I am still wearing maternity clothes as i can't afford to buy new ones. Its just depressing me. I am in arrears wit esb bord gais and all direct debits this month are being returned as unpaid so i am being charged for this too which isn't helping. We are now looking at uk bankruptcy laws to get more info but just don.t know where to turn to next feel like i am in a dark tunnel that there is no way out of..any advice greatly appreciated.thanks