Having to apply for bankruptcy was one of the hardest and most stressful decisions and I've ever had to make and I left it as long as I could as I was too embarrassed to speak to a third party about it. I was also dreading how complicated I guessed the process would be (paperwork and documentation) and my stress levels went through the roof just thinking about it. Thank God for the Bankruptcy Centre. I found them while searching for info on how to declare bankruptcy and called. I spoke to George who was an absolute sweetheart. He made me feel very comfortable and not that I was being judged or foolish. I couldn't believe how simple and relatively painless the process was. Bank. Cent emailed me a couple of basic forms to complete - took me about 15 minutes, had a chat with me and that was that. I left everything in their hands and a day or so later George called to say it was done and dusted. Best $400 I ever spent. Many thanks to Bankruptcy Centre for making this a much less traumatic process for me.

Approximate cost: $400