CCJ - Ill have loads before I get a date :-(

keepmyhouse

Hello

Got a ccj this morning for my water, I already have one for a CC, am I right in thinking these cant be included in my BR, by the time I get a date all my debts might have gone to CCJ, Help............

custard_cream_3

CCJs are included in bankruptcy. I don't think they're marked as satisfied though, so you'll find it hard to get credit.

Ironic eh?!

peachyprice

However, if you don't respond to the petition or the judgement these can be turned into charging orders against your property, which cannot be included in BR if they're made final before your BR date.

You must make sure you fill in the forms when they come from the court, you can delay things by asking to have the cases moved to a local court and requesting CCA's from C/cards. But do not ignore them.

startingover

Hi

Sorry to hijack this thread but I have a charging order against my house which I pay £25 pound a month, does that mine that I can't include this debt in my bankruptcy?

Thanks

peachyprice

No, you can't include it, it's now secured against your house.

startingover

Thanks Peachy does that mine I add it to my mortgage to work out how much is owed on my property?

peachyprice

Yes, it reduces your equity.

maxmycardagain

is it a full or interim CO?

peachyprice

maxmycardagain wrote: »

is it a full or interim CO?

If she's paying £25 per month to it, it will be final

startingover

Sorry for the delay in replying I've been digging out the paperwork.

Its very confusing because first it says interim order and then month later a final order (Restons)!!

abinitio

peachyprice wrote: »

No, you can't include it, it's now secured against your house.

But what if your house is then reposessed either voluntary or otherwise?

Does the CO then 'lump' in with the rest of your shortfall?