-
After bankruptcy finishes
Are all your debts cleared?
-
The Bankrupt Inn - Part 13
Christmas Eve, so we are all decorated up and a new thread. Cheers. :beer:
-
Ex has IPA, getting back together worries.
HI, I am separated from my Wife and have 2 children that live with her. She is bankrupt and has an IPA. I still pay most of the bills and give her around 150 p/m towards the kids. We are considering getting back together with me moving back in, my main worry is that although she works and takes home around £320 per month…
-
Some advice on which way to go please
I am in a bit of a bind to say the least, I moved abroad and had to wait 8 months to get a visa to work and during that time my wife had an affair and she is pregnant although its ivf so it is definitely mine. So with no work I relied on savings to pay the bills, that is all gone now and I have huge debts, two are over 5k…
-
OR and Bank Statements
Hi everyone I submitted my bankruptcy application today online. I'm guessing that the Trustee of OR will want to see bank statements/credit card statements. All my accounts are 'paperless' and viewed online. Will the OR insist that I get them printed (no printer) or will he approach the banks himself? Anyone else been in…
-
Does anyone recommend me a trusted service that can help us out?
"Hi, guys, My parents started a retail business in Toronto two years ago. They were successful for the first year but for a variety of reasons, sales eventually began to decline. My parents expected that they would be able to repay all their debts but the sales went down and we all realized things were not improving and we…
-
Partner bankruptcy help
Hi, Forgive me if this is all wrong, but i’m new too this..... My partner was made bankrupt in March this year it was a very difficult decision, but after having a break down which we have had to mange ourselves him being “debt free” so to speak was the only option he had. I have two questions, firstly when he went…
-
The right information on the forms
My wife and I are in the process of applying for bankruptcy. Our situation is a little complicated as we have three disabled children and provide full time care for them - 1 is an adult and the 2nd isn’t far behind now. We get a range of benefits which, as I understand, if they are in the children’s names won’t be counted…
-
Bankruptcy advice
Hi everyone! Thanks firstly for reading my post. After reading all the great support on here, I’ve decided to post about my current story and see what advice you all have for me. I am currently employed, with debts amounting around 28k, I have recently started defaulting with my 2 x credit cards, however everything else is…
-
HMRC Debt
Hi I have a debt with the HMRC regarding Tax Claims via Self Assessment, I have agreed an IVA with them to repay back monthly, however the amount I will pay over the next 5 years will not cover all of the debt, as such to recoup as much as possible the HMRC put a stipulation in the IVA agreement that I would sell my house…
-
Scared and anxious
Hello I've been reading allot of posts on here as I am about to submit my banķruptcy application but I'm really scared about a couple.of things. I haven't told anyone as im thoroughly ashamed and embarrased about getting myself into this mess. I know that details will be in the Gazette but is there any ither way people…
-
Discharged! What to do next?
So, that's me been discharged, a huge weight off my shoulders, and hopefully will help my mental health issues improve too. Do I need to contact the creditors to ask them to update my credit reference file or should that be done automatically? Is there any particular site that is best to check my reference file, or should…
-
new debt default whilst bankrupt
hi this is just a question I have wondered about but cant find any info. please note this is not for me or anyone I know just purely out of curiosity. say you are bankrupt and within that first 12 months you have a debt that you don't pay whets the criteria for creditors to get their monies owed but you are registered as…
-
RE: Badly Advised by Stepchange
Help! I had exposure to various debts and called Stepchange (the Debt Charity) to get advice. I thought it would be sensible if I could amalgamate my debts so thought that Stepchange would be the right company to go through. Although I was never behind or hadn't defaulted on any payments, Stepchange advised me to take out…
-
Finally its my turn, my 6 years is up!
6 years ago today, I stood in my local court shaking like a leaf, it seems like a lifetime ago! I just wanted to say thanks for the help I got in the early days and to the people who are going through it now, hang in there, there is light at the end of the tunnel! H x
-
Two vehicles and bankruptcy
Hi so I run a little business from home so self employed, Started off as hobby due to disability but as selling registered as self employed, now turned into a business more than a hobby. So question is as I already have car on motability for my own personal use, would I be allowed to by a second car under £1000 to use for…
-
Bank statememts
Hi, i now have an IPO to sign but OR has also asked for last 6 months bank statements, my partner has refused to give over his financial details but he got his wage paid into my account (for reasons that i wont detail here), can i refuse to give bank statements over as this will show his income? Thanks
-
Buying a Vehicle Whilst Bankrupt
Hi I am bankrupt who has a few months to go until discharge, who is reliant on their vehicle to get to work etc. Unfortunately, this recently broke down and as it needs a new engine (and was only worth a few hundred in the first place), is beyond economical repair I am currently borrowing a car from someone but they will…
-
Discharge and IPA
Hi all this forum has been a fantastic help over the last year and helped me sleep at night throughout my bankruptcy application and beyond. I am due to be discharged soon and have read conflicting information regarding reporting income after discharge if you have had an IPA. I understand an IPA can last upto 3 years and…
-
clearscore report
hi everyone I made myself BR beginning of march and can clearly dee the negative impact on my credit rating as I us noddle and clear score. strange thing is today I get a new report and on the changes section it says 9 changes and a few of the changes are " a credit agreement has been removed" when I look at my report all…