Early Discharge is it a postcode lottery?

k2nga

After reading over the last couple of weeks on here about people getting early discharge i was wondering if you are more likely to get early discharge with certain OR offices rather than others?

I live in the Bournemouth catchment area has anyone got ED from this office and what area's have people got ED from so we can see if there is indeed a pattern but also to cheer up (possibly) us people hoping for ED.

deedee_3

There doesn't appear to be a 'postcode lottery'. Those with ED's seem to come from all over the country. It really does depend on the complexity of your case and how busy an office is. I posted this on another thread earlier, it is from a post that Phil made.

The OR will firstly send 'report to creditors' this is normally done within 8 weeks of the making of the bankruptcy order (your appearance at court etc). It's the initial report from the OR that tells creditors (amongst other things) the reasons for the insolvency and the likelihood of creditors receiving any payments from the estate.

The OR's office must then wait 3 months before they can consider starting the ED process if they feel it is appropriate.

For the ED, you have 14+7 days to return the IPOQ (I&E questionnaire..this is sent to you from the OR office if your considered for ED) after which the OR can write to the creditors to say that they will be applying for the ED and request any objections.

The OR's office must then wait 28 +7 days to allow creditors to reply. Then if no valid objections have been received, the ED notice can be submitted to the court.

So the quickest the ED could happen (in theory) is 56-57 days after the you get the ED/IPOQ letter.
it often takes longer and can even be shelved at any stage if the office is too busy with new cases as ED is NEVER a guarantee...

Sunk

My OR is in Gloucester & I went BR in May, 4months ago.
I have already filled in the IPOQ over week ago(which DeeDee mentioned).
So my OR has put me forward for ED just waiting on the reponse of the creditors now.

k2nga

I knew how the system worked i just wondered if certain office areas tried to clear there paperwork and get people through or if offices would just do the paperwork needed and just leave files to then reach the AD date.

maxmycardagain

well im ready for ED when the OR is....bring it on

tigerfeet2006

k2nga wrote: »

I knew how the system worked i just wondered if certain office areas tried to clear there paperwork and get people through or if offices would just do the paperwork needed and just leave files to then reach the AD date.

It's more paperwork for the OR to do an ED than not do one and wait for AD

k2nga

Thats what i thought which is why i was wondering what OR offices were more likely to bother to do that paperwork to get you ED rather than wait for AD.