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wiping the slate clean if youre in debt sounds like an attractive proposition but in this video im going to explore some of the downsides of bankruptcy youll learn about the cost of bankruptcy the debts that remain and how it might affect your employment your housing and your future finances [Applause] im daniel barnett of barrister practicing in central london and im the presenter of the legal hour on lbc radio this is one of a series of videos ive made about bankruptcy now it goes without saying that you have to give up control of your financial affairs if you go bankrupt but you also have to give up your non-essential possessions these are confiscated and if your essential possessions are valuable they can also be taken by your trustee and replaced with cheaper alternatives youll be allocated money for daily living costs but its likely youll have to make fundamental lifestyle adjustments going bankrupt is actually a really expensive process before your creditors are paid if