chrissa......Firstly, let me make it clear that I am not a Solicitor and my knowledge of the law is limited. However, you could discuss your problem with a registered Solicitor and it is my understanding that a half hour discussion is not chargeable.
In my opinion, you are not really in a position to be declared bankrupt because at present, as you have assets and, until the value of those assets are established, it is not known if you are able to pay-off your creditors.
My heart is with you and I say, " Try and avoid the Bankruptcy Court because you could find that this time next year matters have not been finalised as a result of issues involving Court proceedings moving very slowly".
If you do engage a reliable Estate Agent there will not be any need for you to 'put-up-front' any money. Another thought is that you could seek free advice from your local Citizens Advice Bureau.
Ron.