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bankruptcy
:T Hello everyone, just a little note to say that as from 11.20am this morning my husband and I are officailly BR!!!!! Can't actually believe it, it all seems a bit sureal - I neither feel happy nor sad, i don't know how i feel, i suppose i will feel better when the OR rings and tells me what is going on. I don't think it…
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Cash plus Mastercard
My court hearing for BR is at the end of July. I have a cash plus mastercard, this is a card that to use it you must first load the money onto the account, so it is not like a normal credit card. Will I still be able to keep this card when BR?
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Do spouses have to go bankrupt to when mortgage is in joint names
Hello, Please give me some advice!!! I have seen my earnings drop to nearly nothing now and have amassed a lot of debt over several years. My wife has an income of around £9k per annum and the only debt she has is our joint mortgage of £155k and attached unsecured loan of £22k, our home is only worth £160k. My other…
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One spouse goes bankrupt but has joint mortgage
cancled topic
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Attending court, do i have to go
I have my BR court hearing at the end of this month (July). The court is in central London on the Strand, I live in leafy Dorset. Do I have to attend this hearing or is it a matter of rubber stamping the paper work. The inland revenue are making me BR, and although I wrote to the court to enquuire if I could have the…
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Another Scottish bankcrupcy diary (this ones long)
Should start with how it happened, I was 16 ran away from home to live with a guy I met on the net. Before I knew it we were pregnant and married. Had two kids before I was 18, then we worked out that I could get credit! He had lots of debt – so I took out loans overdrafts so that all of his was cleared. It was working……
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Can you help
Hi, I am in the process of completing my pettion and soa. I just need some advise please. 1, I have a joint account with my wife will they close that account straight away, it is used for all bills and income. 2, I have a seperate bank account which is a basic account it was just used as a "slush fund" account there is…
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Tax rebate
Hi all, I was asked to do a tax return for year ending 08 so did so to find i have overpaid by £600 and a couple of pence. I have been br since dec 07 and after OR interview have heard nothing not even nil tax code. Am i likely to see this money and if so do i inform the OR. Or will the revenue do that. thank you for your…
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Tick, tick, tick...
OR interview in 30 mins. Lil's an hour later. Still no sign of the helicopter, the false beard and the passport with new identity. Aaaargh....
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Companies offering help with Bankruptcy
Hi there. We have an eviction notice for the end of the month on our house and it is rapidly going into negative equity. If it gets repossesed we will obviously be liable for the remaining monies which could end up at 30 / 40k. Im a student and my husband only earns around £14k per year so we're just a normal run of the…
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Bankruptcy Hearing next week - how do I stop it?
Hi, I'm new to this site and desperately looking for some help. Council tax have a bankruptcy hearing against me next week for £2.5K debt that has been owed for 2/3 years. Split with exhusband 2 years ago, left me with all the debt and I have young son. I put house on the market in Sept 2007 but no offers yet. I have…
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am trying to get better
soa mortgage £220 Council tax £134 electric £60 gas £60 phone £40 sky £21 aol £18 house insurance £25 m o t £5 food £80 incoming my wage £440 oh bout same (both self employed) tax credit/child tax £400 dla £180 (am reg disabled probs with my lungs) child benefit £180 oh and me are in scotland and are br i need to raise…
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am trying to get better
soa mortgage £220 Council tax £134 electric £60 gas £60 phone £40 sky £21 aol £18 house insurance £25 m o t £5 food £80 incoming my wage £440 oh bout same (both self employed) tax credit/child tax £400 dla £180 (am reg disabled probs with my lungs) child benefit £180 oh and me are in scotland and are br i need to raise…
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bankruptcy
Hi all, After alot of guidance via this sight by browsing on the sidelines I was declared bankrupt on 18 june 2008.To my surprise there had already been 400 bankrupts by june in this small town compared to 117 for whole of last year.Definitely not alone. I am married and have a young child.This ordeal has brought us closer…
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Complicated Income
Reading some of the posts here, I am getting concerned about my income. I have 4 occupational pensions, 3 of which are small, plus state pension. Due to a clerical error my largest occupational pension is cut by £300 per month until October this year when the reduction goes to £200 per month and in November reverts to what…
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New Poster Needing Some Advice Please
Sorry if this has been posted a thousand times but I need help. I will almost certainly file for Bankruptcy within 2 months, the only thing that is stopping me is the effect it may have on my wife. I would like to know from other peoples experiences what I am about to put her through. I have taken many risks in my…
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Times like these is where I miss credit
:confused: .............................my poor cat is ill AGAIN! I have made an appointment for him tomorrow (that s all I could get) and have no spare money this month to pay with, and worse still my vets do not have a payment scheme of any sort and will NOT give to any exceptions! We 're not in receipt of benefits that…
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Tax Credits
I know I've been on this forum long enough to know the answer to this question but..... I've just become aware that I may be eligible for working tax credit and child tax credits. Are these considered income for IPA purposes? :confused:
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it's been 3 months now
Hey guys, just wondering......its been near enough 3months now since i went br. i,ve had a few letters from my banks saying they have had word from my OR and are cancelling my accounts.. this is all fine and dandy. But i've not heard anything from the OR at all. When do you think i will find out about if i will be doing a…
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A few questions
Hi, went BR 2nd April and my OH 23rd April. My Oh was given an ipa for his tax, at this time it has still not been set up as a nil tax code but we have had a letter from the collectors asking for wage slips etc. Now he has changed his job 2 weeks ago so i emailed the OR and all they replied with was to tell the collectors.…
