I am way over indebted R500000.00. I work and earn a salary of R23995 .After i paid rent ,medical,in…

I am way over indebted (R500000.00.) I work and earn a salary of R23995 .After i paid rent ,medical,insurance, groceries and electricity  I have about R6500 left. My commitments to loans are R25000 a month on and have been using Peters money to pay Paul and now I am stuck. I have no assets in my name and are married ANC. I cannot declare myself bankrupt as I have nothing to apease my creditors. Advise please

Gerrie Olivier

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