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bankruptcy advice pls!!
hi i have decided that bankruptcy is the only option and have been advised ont this also my partner and i owe approx £800 in utilitiy bills electric and gas but the debt is in both our names would i be able to put this into my petition or only half of the amount as it is only be going bankrupt and not my partner and is it…
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Advice Please!!
Hello everybody im new to this site,ive been reading some of the posts on here,all very interesting.i have got myself into a little mess(it is little compared with some people on here).I dont know were to start,but here goes. I was employed by a friend who's company starting going t**ts up at the start of last year,i had…
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Finally facing up to the possibility of Bankruptcy
Hi everyone, I've been reading this forum for a while now and I know there's lots of good advice here, I think it's time to look at my options. A brief recap of where I am financially. I ran a mail order business some years ago and due to a few bad decisions, bad luck and lack of finance to get over my problems I had to…
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Any help would be appreciated
Good Afternoon. I am currently 6 months pregnant on garden leave pending redundancy from my job in March and would appreciate some help. I currently owe around 39000 and have been in a DMP with CCCS for the last 12 months paying 385 per month. This has been paid with no problem. Of the 7 creditors only Halifax refused the…
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Bankruptcy Questions
Hi, I am new to this forum, I have read some of the threads but wondered if someone could answer some of my questions. (I apologise if I am repeating questions previously asked). Background: I entered into an IVA in Aug ’05 and made my monthly payments no problems until April ’08 when my full time job turned into part time…
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OR interview
im supposed to be having my interview today at 12 o clock?!? She still hasn't rung me, is it normal for them to ring later then advised? Im absolutly crapping my pants!! feel so sick & to top it off ive got my nephew to look after aswell as my baby & they have both just woken up!! I need valium & a babysitter......
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Re: Can someone who is bankrupt or on a dmp buy the Beneficial Interest?
Hi Folks, Just as the title states, can someone who is declared bankrupt or who is on a DMP themselves be allowed to buy the BI in another persons property? Thanks again for all replies.
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BR Pensioners
Hello, I am looking into going Bankrupt but have so many questions I wondered if anybody can help? My wife and I are both in our sixties living on state pension. We live in rented accommodation. We sold our home 3 years ago and got about 40K out of it. I have used this to live on and it has now all gone. I owe approx 60K…
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Another update
I have not received any replies from my letters sent last week about being unable to pay in light of age ( 70) and only income being State Pension. I get a few phone calls each day,most of them I ignore and ones I have spoken to I have said "please write to me" as am not prepared to speak on the phone. This morning in the…
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D-Day is 28th January
I feel a big weight has been cleared from my mind. I have stopped procrastinating and have called the courts to book my date. Anyone else got their hearing on 28th January?
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Help with SOA please!
Hi, I've got my court date next monday and am trying to finish the forms off. Could someone have a look at my income and expenditure and see if it looks ok? I've been told by payplan that i've to put the dla i receive for my eldest child who has a disability but that it will be disregarded as income as it is meant for him,…
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assets/stuff belonging to kids
Will my daughter's stuff be safe from the OR? She has a laptop and a Wii, both gifted to her by my parents. Will they be taken away?
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Thinking of applying for bankruptcy
I am seriously considering going bankrupt, but to be honest I am scared about the whole process. I am 22, my only income at the present time is incapacity benefit, I am living at home with about 11k debts. I want to go to college in september with the hope of going to uni after that, but I can't do it with this crap…
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Still worrying!
It's funny how you go up and down with this. I had my OR call today, as explained in another thread, but I am wide awake at 3 in the morning worrying about some of the debts I couldnt explain, purely by not remembering. Will they pursue this? Sorry to be a pain. x
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Bankruptcy Dilema!!!!
hi , we are looking for anyone who can help!! we are around 25k in debt. around 6 years ago we took out a loan and had credit and store cards etc . we obtained this credit when we were single no children and no house , it was easy to pay then , however when we had our 1st child( we now have 4 ) we moved into a rented house…
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i dont understand bro / bru
i understand the idea behind it i think to get money from a bankrupt to pay towards your creditors?? but only if surplus over 100 pounds?? we did our soa on here earlier last week went br on the 5th people on here seem to be unaware if they are going to get one or not we ended up with a surplus of £2 if we get housing…
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would it be worth going br for?
hi all. not been here for a long while. i am seriously thinking about going br. i owe £5k and am on benefits. i tried keeping up repayments but i just seem to be sinking deeper and deeper into the brown stuff. i have no assets, yet everyday i get phone calls from creditors pestering for money that i haven't got. i have 1k…
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Online Forms - Question about your current account
I currently use Lloyds and will prob leave a £700 overdraft if or should i say when my account is frozen. Do I therefore need to put them down as a creditor? If so can't put a future date in the "date incurred" field. Any ideas?
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Interview all over
Hi to all Had a surpise interview today:eek: , didnt know OR was going to ring, she was very nice, she asked questions about my credit and a few other things and that was it all done.:j :j I feel so much better its over it wasnt that scary after all:D
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Post BR
hi, Firstly i have to say how great this site is and quite frankly i depend on it for support, advice and information. Im not sure i couldve come this far without it!! thanks everryone!!! So, secondly after going BR and starting to really get to grips with things i have a concern. I have been asked to help out with one of…
