The National Hardship Register 

There are many valid reasons why some of us simply cannot afford to repay our debts and most of us want to avoid bankruptcy for equally valid reasons. For some people, there may be an alternative.

The National Hardship Register is intended as an alternative to bankruptcy and a relief from constant debt collector contact. If you are on the register, all participating debt collectors will know that you can’t repay your debts and will stop contacting you. After three years, if there are no changes to your situation, some of your debts may be waived! If they are not, you may be eligible to re-list on the NHR. After a second listing, it is likely that your remaining debts will then be statute barred (legally uncollectable).

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