Hi. I'm concerned about bankruptcy. I've read and read about the consequences. Currently, my bills, loans and credit card repayments are more than the income I earn. I've been trying for months to try get on top of it but I'm not getting anywhere. I am want study real estate property management but I've notices that bankruptcy can affect me in getting a licence. I just don't understand if it's for life, a certain stipulated time or the term of my bankruptcy. And if I may, can you help me on how the business on TV that advise they can assist you with your debts would help? Is it a better solution than filing for bankruptcy? many thanks for your time and help.