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Quick question can anyone help?
Hi, Went bankrupt on 7th November this year and have just recieved a letter from the OR saying that in my telephone interview i stated that i paid my Dad £1000 from the sale of my car. They are wanting my Dads name and address, can anyone hassard a guess as to why they would want this? Cheers
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Raising the £500 for BR
Hi all, i am new to the forum, i have a considerable amount of debt for an individual, i have spent alot of time over the past week wieghing up all my options and i've decided that bankruptcy is the best option for me. i now need to raise the money to declare bankrupt, i understand there is an EX16 form which may allow me…
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Don't know how to calculate my income
My forms are just about finished. The section I'm having trouble with now (been ignoring it up to this point) is income. I am self employed and my income depends on how many clients I have per week which varies greatly. Now, am I supposed to take expenses out of this income ie the rent I pay for my office etc? Am I…
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massive debt
Hi if anybody can offer any help we would appreciate it. I am married and we have 4 children. We have been living on borrowed time for a while and now the brown stuff has hit the fan. On Tuesday we went to the CAB for advice and don't really know where to turn or what to do next. We are approx 61k in debt to various credit…
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Do a bit of research before you make snap judgements please!
Just a bit of advice to everyone before you start posting. After the debacle of what was supposed to be a support thread for someone that had taken the decision to go bankrupt can I ask everyone - whatever board you have come from to do a little bit of reading before you give your opinion. Check back through the posts of…
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advice anyone?
Hi We have unsecured debts adding upto £48000 and after working out our budget we are £200 a month out a month paying normal priority bills before we even start on all the credit cards and loans. As we have no money to offer them we are considering bankruptcy, we are worried we would be made to sell our house, which would…
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Saving Money?
Hi everyone, Just got my pack from the OR through today and I have my telephone interview next wednesday.. I will be glad to get it out of the way before xmas :o Just one question after reading the leaflets. I am unemployed and I don't think I will be getting a job before my bankruptcy is up. I used to be self employed and…
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Advice On Letter Please (rtlu)
Today i received a letter from the OR office saying that my bancruptcy file will shortly be transfered to the regional trustee and liquidator unit for this offfice and if i have any queries that i aam now to contact this office,mine has been straight forward up until now with no assets etc,just wondering what this means…
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Building up credit history after going B.R.?
Dec 4th last year i went bankrupt, so i have literally just become 'discharged'. It was unsecured personal debt that i borrowed, it mounded up and then i became injured so could'nt work for 6 months, after millions of threatening letters and endless phone calls (daily!) i'd had enough and wanted a fresh start. I have had a…
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Advice please!
Hi guys My OH was made bankrupt in October, at the time he was un-employed. His debts mounted to around 70K. At the time the OR fixed a date to discharge him in February, but due to un-employment hasnt made any payments to creditors. Off the record the OR suggested to him, he would be best to remain un-employed until the…
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IPQ is this normal????
Hi Guys I feel a bit selfish asking a question as only logged out yesterday afternoon and something seems to of happened in between... But here goes... As some of you already know myself and my OH went BR in early October and I started a new job in November and had to fill out a IPQ, now my partner has also been asked to…
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I feel I am drowning so much that I have hardly slept in months...
Hello, This is my situation (in short)... I am from the UK but I have been living overseas most of the time working for the last couple of years (I am currently in Central America). Before I came overseas I had a little debt but not much. However, I then got sick with severe pain in my teeth and face. Over many months, and…
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What a big mess
Hi new to all of this! Well here goes! Well as you've guessed I'm in debt. 67k. Spent several hours last night reading your threads have got the general idea about sorting it all out. Will be ring agencies today. How did it happen? Well for a start I'm self-employed and over the last year or so I've been looking after my…
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Help please...
Over the last few years I have had a few light bulb moments but today I have decided that it can't go on any longer as the situation is slipping further and further out of control. I'm not sure if bankruptcy is the option? I am totally lost for direction as to what is the best way to tackle this. Baring a lottery win this…
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The positive Merry Christmas thread!
After a fraught (spelling?) 24 hours on here thought I would start a positive thread! I know it is not for everyone going to be a spectacularly wonderful Christmas because of various personal circumstances but I would for one like to wish everyone - yes you heard it - EVERYONE! a lovely Christmas and a positive 2008! Hugs…
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Bankrupty in Scotland (Insolvency)
Hello Everyone. Scots law is different. I was finally declared Bankrupt last Month. So feel free to ask for any tips or advice about the procedures I went through if your in Scotland. For me Bankruptcy brought a great sense of relief. I am now finally able to get on with my life and be stress free. I became disabled 18…
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Still no OR assigned!!??
Right all I keep getting told is ring tomorrow no one has been assigned to your case yet, ok they may be backed up but has anyone ever had this happen. Our court here doesn't have an OR in the building so on Tuesday when the dreaded deed was done, I didn't have one to speak to, and the ORs to me are based 40 miles away,…
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Best Xmas Shopping Trip, Ever!
I went extreme shopping on Monday. I had a list, I needed to stick to it. had a budget, I *really* needed to stick to that! I came home with Xmas shopping all done, an empty purse and a very warm feeling inside, knowing that it was all fully paid for - no nasty bills in January. No finding out I'd overspent by a 3 figure…
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Missing IPA payments
Hi all, Does anyone have any experience of or know what would happen if a discharged bankrupt missed two months of IPA payments without permission? A friend of mine emailed the collection law firm and asked for two months grace and offered to add it onto the end of the payment period - he's received no reply after two…
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OR Telephone interview Thursday - What to expect?
As it says in the title it is my telephone interview on thursday- Can anyone tell me what happens? :confused: Do they tell you what you need to pay? if anything- No idea what other questions to ask - any info will be great Many thanks