Well, I am loathe to post this because it applies equally to me - but I think that the changes are going to mean that you cannot go bankrupt.(posted 7802 days ago)http://www.ukadvice.com/bankruptcy/consumerbankruptcy/ Look under what debts are discharged. It excludes anything backed by a mortgage or property. I hope that someone corrects me because this what I was told before and I thought they were bluffing.