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Bankruptcy help!
Hi I have approx 20k of debt and am not working due to ill health. My partner is unemployed also so our income is limited. I have completed forms for bankruptcy but haven't got the 680 fee. I've applied to British gas and United utilites trust funds but no joy. Can one of my debtors make me bankrupt or has anyone got any…
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Direct debits?
Should I tell whatever direct debits I have that I will be going bankrupt and my account may be frozen when some will be coming out? Or should I pay them before they come out then carry on as normal after account is unfrozen? I've got sky, 02, water and my rent coming out
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Child maintenance
Will the Receiver want to know I will be getting this for my child and add that to my incomings (Its sods law if they do as after 5yrs of them chasing my ex for maintenance next month my daughter is finally going to receive it) surely that's for my child and they wouldn't take that into account
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Bankruptcy, work shares and compulsory overtime
Hi all, I’m needing a bit of advice, my husband is considering bankruptcy but is due some shares in June, he can’t sell them for 2 years does anyone know how this would this affect bankruptcy? Do they have be declared as an asset even though he can’t touch them? Also for 8 weeks a year he does compulsory overtime, we use…
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Will they tell me to cancel my sky and 02
Going bankrupt next week. I dont have any debts with Sky or 02 but will the Receiver tell me I cant have them, are they a luxury. I pay £90 a month with sky but that's tv,broadband and phone and £17 top up on 02
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Help what do I do if account is frozen
Hi everyone. I'm going to go bankrupt next week. I have already down graded my natwest account to a basic account as they said I can still bank with them but just wondering what do I do if my bank account gets frozen when I have wages and child benefit coming in and direct debits going out? Should I withdraw all my money…
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Just hit the submit button
I've just submitted my application. I feel sick with anxiety. I'm dreading talking to the OR. How long till they call what will they ask me? Any help really appreciated
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Maintenance
Evening everyone 1st post so hoping im in the right place quick question just going through bankruptcy info and forms my wife and I are on benefits only income except my wife gets maintenance for her child from the ex every month just been told by some bloke at insolvency that this money can be used to pay my ipa is this…
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creditor not collecting on charging order
hi, i need soe avice, natwest put a restriction by way of charging rder on my shared proerty, although the debt was solely in my name. 3 years ago the property was sold and all the proceeds paid to whoever it was supposed to, apart from this one restriction in my nae, the solicitor has advised that he has contacted…
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How does it work?
How does it all work now then? I went br in 2009 and obviously went to court, I hear now it's all online but how much of its online? Are there any phone calls etc to be made? (Or etc)
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What a relief!
So, having received the email from the OR with my bankruptcy order yesterday - barely 24 hours after making my petition, I was left a voicemail from the Insolvency Service asking me to call them back. I was so nervous when I listened to that message - the guy had called from Liverpool which surprised me, as I'm in Herts,…
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Investigated after bankruptcy
Looking for some advice. i was made bankrupt last year, served my time without working as my wife was supporting the family with her business and a few other projects. all my accounts was closed down except my international Lloyd’s account. I continued to use this as normal (ish, without income it was fairly bare). but in…
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Can an IPA be cancelled
Hi, I was declared bankrupt 09/04/19. I’m due for automatic discharge on 09/04/20. an IPA was originally set up and payments started in may 2019. However due to a change in my income, my IPA was suspended in July 2019. My question is, could I ask to have the IPA cancelled? My circumstances won’t be changing for the better…
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Settled on credit file and credit in use
Read the sticky about cleaning up just unsure about some of my debts. All show settled within a few months of start of bankruptcy, but some show credit in use and some 0.
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Car on finance seized
Hello, I went BR on the 20th of February. The OR stated that he was happy for me to keep paying the finance but it was up to the car company if they allowed this. I have called the company who said they have not received the report from the OR yet and when they do they will seize the car and take it back despite me having…
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Car in bankruptcy
Hi guys, this is the second time I'm (possibly) looking at bankruptcy, me and my wife both went br in 2009 and now I solely am looking at it again....both were for very different reasons but this time round my wife only works 2 hours a day which covers the monthly payment on a loan in her name, I pay everything else out of…
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Close to nervous breakdown
Anyone please help just gone bankrupt without going to stepchange I'm in way over my head I'm not sleeping or eating got paid refund of 4k paid parents back 2 and I've spent the rest i suffer from suffer depression and bpd I can get the 2k back from parents to give to or it's the 2k I've spent I'm worried about and in the…
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Can my bank keep my tax credits if I owe them money?
Hi everyone I have been saving up for my BR fee and I'm finally almost there.... I've had some great advice on here from my previous posts and have spent the last month preparing for going BR. I have opened up a basic account with Barclays and have transferred over all my direct debits and standing orders. My salary, child…
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Finally done it!! What questions will I get asked?
Hi, I have after months of worrying finally submitted my BR request and have had an email today confirming it. Can anyone advise me what happens next and also what questions I may get asked during my telephone interview? This is the part I have been worrying about the most!!
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Council Tax - is it added to BR?
Hello everyone, looking for some advice please. I've been issued with a liability order, having been summonsed for non payment of Council Tax. Terms have been agreed for me to pay the full amount of £740 by tomorrow, pay day. I'm on the point of petitioning for BR, online forms completed, everything is ready to go but my…
