court date

paul10mm

I know have the date of my bankruptcy hearing do i phone and write to all my creditors now and let them know??

A_brand_new_year

Hello. I was made bankrupt last year and its all part of the insolvency people's job to notify all creditors.
Once the bankruptcy order is made, life becomes a whole lot simpler...or at least it did for me....hope it all goes well for you.

smokey112

Paul

From my experience we did not - the OR will have a note of all of your creditors and account numbers and they will contact them - I would advise you not to.

I will PM you later and tell you our budget - please feel free to ask any other questions and I will tell you what happened to us

Take care

Ang
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pug_in_a_bed

You don't need to contact them. When I had my meeting with the OR 2 weeks after the court date (over the phone incidentally), I asked him did I need to contact them. He said no (its part of his job) but If I felt worried about any of the communications with those I owed money too, then I could write with a copy of the court papers. I didn't do this as I'd been getting the nasty stuff for a while. Actually, all companies stopped communicating with me pretty quickly.

Just wondered if you have opened yourself a new bank account as yet? I'm with the co op, they're quite good as you get an electron card which can be used in most shops.

Its very nerve-wracking on the day, but you will feel so much better when its all over.

Hope that helps, and best of luck:)

paul10mm

hi pug_in_a_bed
As i understand it we cant open a new account before we go bankrupt?
id love to be able to as my court date 13th and my company wont accept any changes to were my wages go after that!!!!

pug_in_a_bed

I'm not sure I understand what you mean about your wages, can you clarify that? Sorry if I've missed something.

I think it woud be ok to start the ball rolling opening a bsaic account now. Chances are it could take a wee while anyway. When I went to court, I spoke to the OR briefly over the phone who actually asked me had I opened a new account yet, I presume because they want to know have you taken your essentials out of your account before its frozen.

If you're worried about whether to or not, give the receiver's office a call for advice in the court you're going to. I found them all very helpful and they will be able to tell you for definate. As long as you declare everything on the forms you should be fine.

smokey112

Paul

Not sure if it is different in Scotland - but if the OR does freeze your account or if the bank freezes it then it can be unfrozen on the same day - this is what our OR told us. If the bank freezes it we where told to contact him and he would get it unfrozen that day - so far nothing has happened at that was October.

If you don't owe money to your bank or anyone associated with your bank I should think it would be okay - I would take any money out of your account if you think it will be frozen if this for bills/day to day living

Ang
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