Ato can not be listed on your bankruptcy , neither can SPER
good luck x
I am with the company my budget you proberly have heard of tem. They do charge a fee but the initial consult is free. They have got me and my current partner out of debt and been able to make arrangements with creditors that we couldn't. We just have been able to buy our own home after on ly being with them for 9 mths. I was highly skepitcal too but it even you have a consult and if it can save you from going bankrupt its worth a go. Hope you get it all sorted soon . The phone number is 1300 300 922 just in case.