Hmmmm. Maybe getting ahead of ourselves here. Best wait and see what happens trixie and keep your options open.
Not co-operating with a trustee is usually a pretty quick route to being sequestrated, and it is not a foregone conclusion that this is necessary. Maybe a deal could be struck with your trustee regarding redundancy money which you are happy with and might mean that sequestration is not necessary?

Agree with Kevin's approach.

See how much you get, what is required to live and over what period and then discuss options with Trustee outlining the requirement of family needs.

Previous comments above talk about paying off "mortgage" (arrears) - consider the implications of this given the payment will increase the level of equity in the property.

Thanks for all your advice guys Ive got a much understanding of the situation now.
I cant help but think bankruptcy is the only route for us as we were seriously struggling with TD payments even when my husband was working. As soon as he was made redundant my husband asked TD firm for payment break but as they had already recently agreed to two months reduced payments from us the most they would tolerate was another two months reduced payments from him, then he would be looking at Bankruptcy.
Bottom line is that our income/expenditure assessment was not realistic because I am self-employed and didnt account for business expenses. Monthly TD payments were never manageable and that is not going to change even if TD firm give us a payment break. As I see it we have only one choice.....