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Possible Bankruptcy - Advice..

Maverick33
Maverick33 Posts: 249 Forumite
in Bankruptcy & living with it
I posted a fuller version of this which explained what i had done up to this point in the DFW thread and someone suggested i post here as well..
So here goes.. I

I have been off work through illness since April 2007, which is pretty much the last time i made any payments to any creditors.. After putting things off for so long i found out a new Community Legal Advice centre was opening in my town so i contacted them and saw someone who went through my income and expenditure..

She thought the best option for me was bankruptcy due to the fact i am still off work, mt debts total around £18,000 & my only income at the moment is Incapacity Benefit..
The problem i have now is the bankruptcy fee, i applied to the Severn Trent trust fund and got a letter from them on Saturday saying they were declining it.. I don't have any excess money left each week though if i cut back on grocery shopping i could maybe put £10 aside each week - but that would take me 35 weeks to save up the fee.. And not sure i could last 35 weeks of stress not knowing how everything was going to turn out..

So, i was wondering if anyone had any ideas ??

Thanks
Mav.
What came first, the music or the misery? Did I listen to pop music because I was miserable? Or was I miserable because I listened to pop music?
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Comments

  • Waspeze
    Waspeze Posts: 2,479 Forumite
    Part of the Furniture Combo Breaker
    I know it sounds silly if you're contemplating BR but is there a friend or relative that might be prepared to lend it to you?
    :hello:
    Save a little money each month and at the end of the year you’ll be surprised at how little you have.
    An eye for an eye only ends up making the whole world blind
  • Maverick33
    Maverick33 Posts: 249 Forumite
    Waspeze wrote: »
    I know it sounds silly if you're contemplating BR but is there a friend or relative that might be prepared to lend it to you?

    Not really no, i don't have any family around & most of the friends i had i haven't had any contact with since i went off ill - so not really an option..
    What came first, the music or the misery? Did I listen to pop music because I was miserable? Or was I miserable because I listened to pop music?
  • dalip
    dalip Posts: 7,045 Forumite
    Got anythig you can sell on ebay ect to help raise the funds?. You may get £150 off the full cost because you are on benefits but not sure which ones you have to be on to be eligible. Sorry i could not be more help.D
    Free impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
    Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D
  • Maverick33
    Maverick33 Posts: 249 Forumite
    dalip wrote: »
    Got anythig you can sell on ebay ect to help raise the funds?. You may get £150 off the full cost because you are on benefits but not sure which ones you have to be on to be eligible. Sorry i could not be more help.D

    Have thought about Ebay, don't really have anything as i had a clear out a few years back.. but might be able to find something..

    I hope i am eligible for the £150 court fee, otherwise i've gotta find £500 rather than the £345..
    What came first, the music or the misery? Did I listen to pop music because I was miserable? Or was I miserable because I listened to pop music?
  • G-G_4
    G-G_4 Posts: 3,090 Forumite
    No advice as such, but I went bankrupt last year, Dec.. and to be truthful, it isn't half as bad as it seems..

    xx
    :D BSC Member 155 :cool:
  • dalip
    dalip Posts: 7,045 Forumite
    You would be amazed at what you think is a load of ****,people on ebay fall over themselves to buy:rotfl: .

    Or now the better weather is here,how about a car boot sale?.
    Free impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
    Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D
  • buddy21_2
    buddy21_2 Posts: 35 Forumite
    Hi! I am in a very similar situation - was ill health retired in March 06 and am still not working. I was lucky and a friend loaned me my br fees. I paid the lower rate and was receiving Income support with incapacity credits. Have you applied for disability benefit? The CAB will help you to fill in all the forms etc. I found them really helpful and received my benefit within 3 wks! Even at the lowest rate its £64 a month which would help towards the court fee. Good luck
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    Form for court fee exemption here

    http://www.hmcourts-service.gov.uk/courtfinder/forms/ex160.pdf
    (form ex160)

    Guidance form here
    http://www.hmcourts-service.gov.uk/courtfinder/forms/ex160a_e.pdf
    (ex160a do I have to pay the fees?)
    We all die. The goal isn't to live forever, the goal is to create something that will
  • Waspeze
    Waspeze Posts: 2,479 Forumite
    Part of the Furniture Combo Breaker
    I don't know anything about them but i've seen them on a couple of threads on here in the past.. might be worth a try
    http://www.capuk.org/
    :hello:
    Save a little money each month and at the end of the year you’ll be surprised at how little you have.
    An eye for an eye only ends up making the whole world blind
  • buddy21_2
    buddy21_2 Posts: 35 Forumite
    Sorry me again! Just had another thought! Has anyone mentioned permitted work to you. Apparently you are allowed to do some hours even whilst signed off sick without affecting your benefits. I do not know all the details as I have only just found out about it myself. Im in cornwall and have an appointment with A4E Pathways next week to find out more. Not sure if they run the scheme nationwide or just in my area. Your benefits office or job centre should be able to tell you more. If there is a similar scheme in your area it could help you raise the br fee quicker.
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