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Quick question!
I went bankrupt in December - but never had to deal with this as I'm in Forces accommodation! Anyway, a friend of mine is considering going bankrupt, she phoned a debt advisor today who told her that if she went bankrupt then her landlord would be told and she'd probably get kicked out of her house! She's got a young baby,…
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Should I..?
hi all.. I have looked high and low to a possible answer but as everyones problem is very personal I think the best way is to ask your advice. Ok I have been with Payplan for the last 2 years repaying around £38K worth of debt. It was the usual credit card and loans that got me there in under 2 years....stupid I know. I…
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Information for OR interview
Hello me again :) Further to my original thread yesterday I need some more help. I'm just trying to get together a load of information and paperwork for my OH when I discuss his BR with him this weekend. Could anyone who has been through this before please give me some idea of what type of questions are asked in the…
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Cash and the future
I just saw this thread on 'anything else moneysaving' http://forums.moneysavingexpert.com/showthread.html?p=5194497#post5194497 I bloody hope not for Bankrupts!! Thats all I can say!;)
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Credit cards for discharged BRs?
Hi all, If this has been posted before, please just link me to the appropriate thread and I'll delete this post with apologies. My situation is this: I declared myself BR in November '04 and got an early discharge in August '05. I DO NOT want to gain new credit only to run into debt again but I do sometimes have to incur…
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******* Important Post on IPA's *******
This has just been posted by TalbotWoods on DebtQuestions. http://www.debtquestions.co.uk/debt_forum/viewtopic.php?t=17901
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I cant find a local CCCS...
How do you find one, and will they give you an appt? Do they charge?
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mobile phone contracts and BR
I already posted this but no-one was reading it so thought the heading might've put people off... do you list phone contracts as creditors. I have two contracts; could I include one with the br and keep the other?
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If you dont have a chequebook?
How will I pay for my sons dinner money? or other school things trips etc when they ask for money, they never want cash its always cheques. Also can anyone tell me where to get a co-op bank account from? Thanks again....i think I am going to have lots of questions...sorry...:o
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letting agents and bankruptcy
I rent through a letting agent as a house share with other friends. We all pay our rent and bills individually and have lived there for three years and have never missed or been late with a payment. I get on well with everyone at the letting agent. If I go bankrupt will the OR definitely tell the letting agent or is it…
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mobile phone contracts
what happens to mobile phone contracts under bancruptcy. Do you include them as creditors or can you choose whether to or not. I actually have a contract with orange and one with voda. can I include one with the bankruptcy and keep the other. any ideas?
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Where do you start?
Evening all We are finally at a crossroads (I think). Today my husband had a day off from employed work and we went through some figures. Heres the story (if you can be bothered to stay awake :T ) We got a mortgage from a very dodgy IFA and remortgaged because we had our own company. This was a few years back and our…
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Is BR my only option?
Hello i did an soa a while ago and though i got loads of useful advice, no one was able to lower it much. I have since managed to get HB and have sorted out exactly my incomings and expenditure. Tonight i contacted CCCS and have appointment in a few weeks for an interview. My question though is, my ESSENTIAL outgoings come…
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Joint mortgage in BR
Sorry if this has been asked before bit I've searched the boards and can't find the answer. We have a joint mortgage with approx. 40K equity in the house. If I was to go bankrupt and had to sell the house would only my half of the equity go to my creditors or all of it, i.e. my wife's as well? Or would she keep her half?…
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council tax overpayment
Doh! posted this in the wrong thread earlier - wondered why I didn't get a reply :) Hope someone can shed some light on this for me Basically, what I wanted to know was where do I stand with paying back a council tax overpayment? The amount involved was occured before my bankruptcy. Is this debt now part of the bankruptcy…
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Partner going bankrupt, how does it affect me ?
:mad: Hello all, Just a quick question, not sure if anyone can help really..... I bought my house 2 years ago, it's all in my name. My BF is registered as living here, we pay Council Tax for the pair of us and we have each other insured etc. Now he has been in a IVA for almost a year, it's crippling us. I am now getting to…
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Which do I choose
Hi we have come to a crossroads in our situation debt management plan or bankrupcy.
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Which do I choose
Hi we have come to a cross roads in our situation. Between bankrupcy and debt management. I don't know which one to choose. Debt management plan would take a long time to pay off. Which one should we take as not to lose the car as we have 3 young children
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bad debts die
Hi can any one tell we if when you die your debts die with you, i'm in big debt.(first plus) if when i die and my house does not cover my debts, can the company go after my children for the out standing amount.
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Bailiff advice
For the past 3 or so months Philips have been sending letters to my house for a ccompletely different person.I have rang them every time and they say someone will have to verify it. A bailiff did attend my house and I showed him my Tenancy, Council Tax statement and provisional driving licence. I then got another letter…
