who actually had an early discharge and why?

wallopadonkey

as title has anyone had an early discharge and what are the reasons for it as opposed to the 12 months we are all expecting?
dont be shy!!

x x

philnicandamy

Discharged at 9mnths OR wrote to creditors with no objections...no particular reasons other than....simple case no assets & on benefits after being made redundant with Ill health

tigerfeet2006

It just really depends how busy the OR's office is. If you are a simple case and they get all their investigations done quickly and they have a little time between sorting BR then they will process an ED.

From a post by Phil

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...

DON79

Wasn't there someone on here a while back........begins with an M??? he had an ED didn't he?

Am sure he will be about.