Hi, first time posting here, hello to all

Justa quick question I feel may belong in this topic (I stand corrected if I am wrong );

I currently have an investment unit of which I have borrowed equity and now owe as much as its worth almost. I have found myself in an very bad financial postion due to relationship collapse etc and as such am considering bankruptcy or an alternative.

I owe approx $100,000 in accumulated personal and Govt debt (HECS etc..), not including the mortgage for my unit.

I am unsure what to do and I would dearly like to keep my unit since my long-term tenant has been paying it for many years.

I work casually as a Medical Assistant and am a fulltime Uni student.

I have 3 cars in my name although one is my 17yr old sons. I own a race car worth approx $25,000 and a crappy commodore worht about $3,000

other than that I rent a small house and have basic furniture now.

My main problem is that I maybe receiving my ex-partners share of our family home, the one I currntly rent. She is talking of simply giving it to me to get her off the mortgage.

I would prefer not to loose it under bankruptcy in a years time or so.

If anyone has any ideas I would appreciate it

Kindest regards
            Phil