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Considering Bankrupcy
Myself and my partner are probabley having to petition for our own bankruptcy, as we have been told that an IVA is not an option for us, due to our low disposable income. We owe currently £30,000 and have less that £200 available as disposable. In order for us to apply for bankruptcy we will need to ask family to pay the…
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BRO Question
I was wondering about if I went bankrupt and got a BRO for say 4 to 6 years for example would that mean if I had an IPA, that I understand lasts for 3 years(?) Would I have to keep paying it for the years I've got the BRO for, also if any inheritance should come my way during the BRO term would that be claimed by the OR?…
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MADE BANKRUPT THIS MORNING :d
i was made bankrupt this morning what a relief :D everything was ok i even saw the judge. just a question why does the or need to phone me? will my bankruptcy get cancelled? also i phoned one of my companys up i owe money to to cancell the direct debit as it comes out next week of my partners bank account the bloke didnt…
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What is considered an assett in Bankruptcy?
Just looking through the forms and wondering do i have to list my clothes books, DVD's, dvd player (worth about £20 now I reckon if that) etc... Is there any advice sheets which tell us what we need to list and what is not considered an assett in bankruptcy. Thanks in advance for any replies
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Ahhh!!!! Will they take my baby girls savings !?
Hi, Lying in my pit this morning pondering the whole bankruptcy thing and sat bolt upright with the thought of them being able to take my little girls savings:eek: which have been growing in her account since she was born? I am a trustee on both her accounts, will they freeze her money? she has over £1000 thanks to family…
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A Few Questions
Hi all Had a full session with the CCCS last night who agree with my own thoughts over the last few weeks in that br is the best way forwards. First hurdle over with so now whilst I save the fees I have a few questions. 1, When I look at doing my soa do I complete as is now or do I complete it as per my situation when I go…
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Dealing with phone calls
I have sent letters to creditors asking for contact in writing only but I have had a phone call from one saying that they can not do that and they need to phone me. Is this right I thought that I was allowed to request this. I would like to know for sure so I am prepared for the next time. Thanks
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SOA Question before I start.
Hi, Please can someone tell me when I do my SOA do I do it as if I was already bankrupt and not paying any of my creditors so you can see what I have left over each month? Thanks
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Basic questions on bankruptcy on behalf of a friend
Hi All I'd like some advice to help my friend who is going to apply for bankruptcy. I know there will be answers to all of these questions already on the board but would appreciate if you could be patient with me and answer them again. I'd like to be able to print off the thread to help her (no internet access). Firstly…
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letter from dca (scotland)
hi recieved a letter from resolve call today we are acting on behalf of mercers debt collections ltd and have been instructed by them to collect the outstanding arrears due to them by your barclaycard account ,etc failure to do so may lead to a personal visit being made by one of our reps to your home to collect payment…
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Early Discharge
Hi Guys I have been reading through various posts on Early discharge for bankruptcy and I have read so much I am bamboozled!! I went bankrupt in 2005 after various things went wrong for me. I was discharged in November 2005. I have read on here that your credit file should of been updated to show this but mine is still…
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County Court Forms For Voluntary Repo
Dear All, I have received county court forms for court date in April. Part of the form is about incomings, expenditure, money in bank acoounts and money in savings. There are also questions about loans, credit cards etc. Do I need to fill all this in. If so should I use pre or post bankruptcy figures. I have ticked all the…
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printed off forms, what do i need to sign?
okay, i've printed off my 3 copies and i'm not sure if i need to fill in anythng on the first few pages by hand or what I should or shouldn't sign now? dont want mess the forms up. Can i just sign the declaration in section 12 and then do the rest with the clerk on monday?
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Early Discharge
When talking to the BR dept at the company I am in IVA with I asked "what are £400 fees were for as I was under the impression it was me that had to go to court and me that spoke to the OR." Amongst the waffle of why they charged such an upfront fee they spoke of ebing able to help with an early discharge. Why would you…
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SOA question
Is it okay to just post the income and outgoings on here for people to advise ? Have 4 days to go and feeling tense. Will go into town on Saturday for a pair of trousers, can't remember the last time I wore a pair but don't feel right going to Court in jeans lol
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ive done it
was pronounced bankrupt today at 11.51am. I was up nice and early at 7am. feed my baby daughter whose 7 months old got her dressed had tea myself, put all the documents in my bag + the fees. Caught bus at 8.20am, asked the gentleman sitting next to me on bus where the county court (thanks to him gave me exact direction).…
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london OR?
i'm going to court on monday in central london, will i see the OR after i see the judge? also does anyone know how long u normally wait for your proper OR interview, i've read some people get their interviews within 2-3 weeks, my mum reckons it will be longer because its london?
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If your wages go up whilst in an IPO/A
Does the amount you have to repay reflect this? ie will your repayments go up also? or once you start an ipo thats what you pay for 3 years?
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Bankrupt today!!!!
Hi everyone, Just thought i'd update you all....me and OH were officially declared bankrupt at 12.31 today....very weird feeling. The whole process was ok, i wouldn't put it up there with the best days of my life BUT it could've been alot worse. Didn't have to see the judge....relief..... but we now have to wait over two…
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Just got Early Discharge
Just checked register today and saw after 5 months 2 weeks and 5 days I was given ED. I just wanted to thank everyone here who helped me through the process back in September, although I've not been an active poster since my hearing, I visit a few times a day to try and help where I can and just see how people are doing…
