If you are any EU citizen, in debt and in the UK, you will be pleased to learn that there is a solution for you. Under EU law it is possible for a citizen of any EU country to petition for their bankruptcy in any other EU state.

Here in the UK as a result of successive changes to our insolvency legislation to encourage risk taking, entrepreneurs and business expansion, we have some of the least draconian of the measures in the EU to deal with debt.

In England and Wales if you are made bankrupt or declare yourselves bankrupt, you will be likely to be bankrupt for only the standard maximum of 12 months. Indeed many bankruptcies are simple and contain no assets and so it is possible to be discharged in less than a year.

In other EU countries it can take many years to become bankrupt and similar amounts of time spent under bankruptcy restrictions or paying back certain amounts of the debt.

In England and Wales you will only be asked to pay back what you can afford out of your disposable income and only for 36 months. The vast majority of people never have to pay back anything.

In England and Wales the bankruptcy process can be completed in days or as opposed to months elsewhere in Europe.

It is important to clarify whether you qualify for bankruptcy in England and that you have enough debt wherever it is held.

You will need to show that you have been in the UK for 6 months and often if you have been here for less than twelve months checks will be made to ascertain that you truly have your centre of main interest here.

Try to show you have a bank account, that you have a National Insurance number, that you have a job and that you can speak the language commensurate with your employed position.

It is possible to engage someone to help you through the process and I would be happy to do that