do you intend to keep the house? if yes, then you will still be expected to continue making payments to the loan and your mortgage.....im in exactly the same position (mortgage, secured loan, debt management plan and neg. equity)we decided to let the house go and start again from scratch (going br feb) but the mortgage and loan was still £850 p/m, ill be saving around £300 p/m just for moving to a rented property.