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What is early discharge
And how do you qualify for it ??
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Early Discharge!!!!!
Early Discharge!!!!!!!!!!!! :beer: Hi guys I called teh OR on Thursday last week as I received some info from the Land Registry - turns out that they dont need the info anyway, the guy that I spoke to said that the guy that was dealing with my case is back frm hl's next tues if i want to call back to double check, he said…
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Here I Go! BR Interview on 27/08/08
Well since last posting, MrsWildr, the Kids & I have moved into rented accomodation and I've contacted the Mortgage Co. about handing the keys to our old place back. I'm being hassled some 20-30 times a day by the few people I owe money to (just not answering the phone now), as CCCS advised I 'keep my head down' until I…
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joint bank accounts
Hi another quick question, If myself and my husband have a joint account and he goes bankrupt what happens to this account? We have one at Lloyds TSB,he also holds his own personal account with them as well and 3 credit cards which have a lot owing on them. Thanks:o
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query over forms and bank account during BR.
hello all, ive been looking at this site for some time in order to make decisions over my debts, and after reading many posts ive come to the decision that i really need to go bankrupt. but ive got a couple of questions.. ive downloaded and filled in the form 6.28 SOA and also form 6.27 DBP, im assuming i just leave the…
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Will OR take my furniture?
Hi, Me and my partner have just had our bankruptcy order (21st aug - same day as kerry katona!) I have a telephone interview in a few weeks and he has to go in for his interview as he's self employed and it was the business debts that sent us under. We were just wondering whether anyone knows of or has had someone through…
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please help me somebody
Hiya I’m 25 years old and really need some help and advice with my finances. I live at home with my parents. I drive but thankfully the car was brought for me when I passed my test. I currently work part time and have done for the past couple of years. Last week I was offered a full time position in a job I’ve done before…
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Help please
Hi all, i am desperate for some advice please, my situation at the moment is back in March my Wife was diagnosed with cancer and has been having chemo and radiotherapy since. At the end of july she had a major operation to remove her colon and spleen due to chemotherapy damage and has spent the last 2 weeks in intensive…
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worried about the future
Hi everyone, sorry been a shamefull lurker on here but now plucked up courage, so here goes. we are about 12k in debt on unsecured loans. My hubbys job is on a basic plus commision and some months on just his basic we are in a deficit (I think about -£195) on the months he has good wage we are not too bad but can still be…
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First step of a long road I think.
After speaking to CCCS on Friday the gentleman I spoke to said Bankruptcy is probably my best option. This has left me partly relieved that this could soon be over but on the otherhand I feel like a total failure that I haven't (or wont be able to) repay my debts. Thing is now, is that I'm scared that I will not be able to…
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This is the attitude I am against
andyhm vbmenu_register("postmenu_13600041", true); MoneySaving Newbie Join Date: Aug 2008 Post Count: 2 Thanked 0 Times in 0 Posts Seems I am backed into a corner and if they go for the CCJ option I am thinking that I will hit the button marked Bankruptcy - no intention of paying this back for years and years! If I pay a…
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Bankcruptcy - not me but him
my husband has loads of debt, ie credit cards and loans etc,and its started to make us both ill, he cant see a way out and i have helped all i can and now i have exceeded the spending on 2 crdit cards to help the bank accounts out, his and the joint one... if he goes bankcrupt..to clear all of his, its the only way out as…
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More SOA Questions
I have more or less completed my SOA, but there are still some things I am unsure of. 1. Do have to declare my new co-op cashminder account? This account was opened so I can use it after bankruptcy, there is no money in it. Should I use section 13 to mention this account and what it will be used for (we will be having our…
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How long does it take to go BR?
Ive been reading some of the replies on here and I've noticed that it can take months to get to court to go BR...is it a long process or does it take longer as ppl need to get fees n such? Say if you decided it was for you, charities agreed and you managed to get fees, how long would it take then?
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Questions!
Hi Im new here and have a few questions and was wondering if anybody would be able to help? My OH is about to go bankrupt I am trying to do my best to understand everything so as to be prepared for this happening! We have massive amounts of debt mainly due to us having run 3 pubs for the last 8 years,we now only have the 1…
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How honest should I be with creditors?
Hi All Firstly, thanks to everyone who's answered my first couple of questions...and sorry for not saying thanks sooner. I've been mad busy chasing every possible project (and money owed from clients!) in the hope that a miracle might just occur and save me from BR! Anyway, have not paid mortgage (and now secured loan!)…
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hi to all, advice needed i think!
i there i have been putting posts in another part of this forum, and been advised to put a link here to my question http://forums.moneysavingexpert.com/showthread.html?t=1099599&highlight=confusedone what do you think would be the next best financial step if i am going ahead with br?? and one more thing ive heard that they…
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My house
Hey there second post in two days i think that BR is almost definate and i have a few more questions one of which is i have £16,000 secured loan a £15,000 charging order and £130,000 given these debts there is no equity in my property i want to get rid of the lot house debt i have other debts to inculded in BR totalling…
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Bankruptcy - scared of partner losing his job.
My fiance is possibly going to need to go bankrupt soon. His house is being repossessed in 5 days time. Which I know was already in negative equity when we had it valued a few months ago to sell ourselves... so know it will go for alot less once repossessed.Were possibly looking at a 20k shortfall. Back in jan we also…
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HM Revenue & Customs
Hi lovely people, After a while, I'm back. All has been very straight forward - I got my early dismissal questionaire a couple of months back - filled it in and I have heard nothing. I did call once, just to tell them that the HP cars were still on our driveway. The next week, a nice man in a truck came and picked them up.…
