First question. When EXACTLY did you hear last year fro the first time?(posted 8258 days ago)The answer to that changes how to reply a great deal. In the mean time have a good read og the repossession section of thismsite especially the do's and dont's. In there is a list of what you shoud ask for. If you draft a letter and e-mail me a draft I can have a look for you if you want.
But please can you give us the definative answer to the first question. In the meanwhile do not worry too much about the bankrupcy thing. In my opinion it is just another of many many threats that these people use to scare us into paying up without proof.