First Post - decided on BR

orionesr1

Hi
This is my first post so please excuse any errors. I have tried for an IVA - but not enough disposable income left, DMP suggested but if accepted would take 15 years to pay back, I'm 61 now!
Have decided that bankruptcy is only way and my wife and me have a multitude of questions. Could someone suggest our next move, i.e C.A.B. or one of the professionals that help with Br for a fee.

Eric

haleygrey

The school of thought on here is to steer clear of anyone that charges, some of the regulars have numbers for National Debtline and CCCS in their signatures and at the top of the bankruptcy board there is a thread with all the info on it, including the numbers. CAB is a good place to start.

Good Luck

kezza90

Hi Eric,
well done on making the decision. I found the CAB very helpful, i went and sat face to face with someone and they didnt charge a penny. you should be able to find good advice on going bankrupt without having to pay for it. This forum is also very helpful for all your questions so dont be afraid to ask anything.

lisamummytoarchieplusbump

hello and welcome

no no no dont go to anyone that charges for advice.

this is a link to get FREE advice
http://forums.moneysavingexpert.com/showthread.html?t=1056083

then stick your SOA on here with this link
http://www.makesenseofcards.com/soacalc.html

then you can start doing your br forms here
https://www.insolvencydirect.gov.uk/isolv/public/debtor/startDebtorForm.do

any other questions just ask but please dont go to a company charging for anything

lisa

lisamummytoarchieplusbump

we will help you with any questions about the br forms they are pretty simple to do, do not go to anyone that says they will do the forms for you for a fee as its not needed

thats what we are here for

lisa

k2nga

Yep ask away there is loads of advice on here and alot of us have been through the process of BR.

fiveyearplan

We're here to help - ask away.

orionesr1

Thank you for all the advice. I'll certainly give the "professionals" a miss.

Will go to CAB Monday, then you can all expect plenty of questions.

Its very reassuring to know that there are people who have gone through the BR process who are willing to help.

Thanks again

Eric

dalip

Hey don't thank us eric,we should thank you it keeps us out of trouble:D . There are two numbers in my sig you can ring if you need to. You may find cab very very busy;) ,may even take a while to get through to the numbers below but will be worth it.Dx

lisamummytoarchieplusbump

yeah i agree dalip if there wasnt all these newbies lately id have to do my housework. so it deffinatly a thanks to you lol

fiveyearplan

When going to CAB you need to ask for a specialist debt advisor as they have specific training to help you.