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Hi I wondered if anyone could pass on some advice, as my sister has incurred a debt of £15k over a period of 15 years, £11k due to been over paid by income support twice, this had a knock on effect to her paying her utility/ rent, she has no luxury items at all, and is always in her over draft, nshe works cleaning caravans, which is seasonal. one company has had a letter saying she could be sent to prison! My wife has been a gem and spent most of the day on the phone trying to reduce payments and speaking to a charitable organisation who give advice, they have suggested bankruptcy which she was told costs £700 to apply. My sister has no idea how to deal with this and stuck her head in the sand unfortunately. We want to help and my wife has suggested she come and live with us for 6 months, if she is successful (would this effect our credit rating, or could the bailiffs turn up at my house and take goods to cover her debt)? Sorry for all the questions but she's only visiting till Saturday and would like to be able to give some advice to her, and I go away on Tuesday. Many thanks for any advice Bemmy
