can you still have a life

debrag

If you go BR do you loose things like a mobile, landline, internet etc?

skylight

No. You don't normally lose those things. If you owe money to your current provider, they could if they wanted to, stop your service and you have to go elsewhere. But a landline is considered essential, there is a small allowance for mobiles and you can pay for internet if you want out of your surplus.

The whole point of BR is to get your life back.

completemess

No not unless you have debts with your provider and include them in the bankruptcy, if not you are able to keep them :-)

debrag

oh that is good

What is the max money I can have left over after paying bills each month that will allow my to go BR?

I know companies like to have at least £100 to get a DMP (currently on one)

when you say you pay this amount of that and this amount of this do you need evidence?

deedee_3

No OR's know how much things cost and they know if you are extracting the yellow stuff. If they think you are claiming too much they will ask for evidence.

Why not pop your SoA up for the chaps to check over

http://www.insolvency.gov.uk/freedomofinformation/technical/BROBRU.HTM

Have you taken advice from one of the debt charities listed in the Bankruptcy Help sticky?

debrag

well I find out today if I still have my job.

Would they contact my landlord to find out rent and what it includes? my bills are all inc you see.

Will get to you on the SOA if this maybe the route I have to take

deedee_3

debrag wrote: »

well I find out today if I still have my job. Will keep my fingers crossed for you.

Would they contact my landlord to find out rent and what it includes? my bills are all inc you see. Some OR's will, some won't. If you don't want them to contact your LL you can ask politly but they have an obligation to tell them. Do you have a tenency agreement? Are you up together with your rent? If so then the OR usually won't bother if you ask him, but that is not a definate. It is up to the OR.

Will get to you on the SOA if this maybe the route I have to take

No problem, hope it is good news today.

debrag

deedee wrote: »

No problem, hope it is good news today.

well it's a shared property.

On the SOA can you put down more than you actually pay? say put the max allowed down even if you don't spend that much?

debrag

Also does someone come to the house to make sure you haven't got anything over £1k to sell?

INCOME
1135

rent 346.66
debt
mobile
travel 50
web host mum
BT 12
Internet
Food 195
TV 12
Hair 10
Hobbies 20
Clothes 11
Holiday 50
Uni 50

Total = 756.66
Left = 378.34

The items in red I do actually pay
The items in purple I don't actually pay but adding as these allowed (I think)
The items in pink vary
BT should be £20 to include tv, phone & broadband

I currently pay £350 on a DMP (ends May 2011)
untill I know about my jobs I don't know if I have the income.

Is there a list somewhere that says what is & what isn't allowed and the max?