Considering....

EltonA32

Hi all

I apologise if there is a thread elsewhere for this but I've been trawling and cannot find so...

I am seriously considering BR, as the way things are at the moment, I think I am really going to struggle within 2 or 3 months to maintain my payments. I am with CCCS but again, I simply don't earn enough to even pay that and our utility bills have shot up like everyone elses in the UK. They did advise me initially but frankly I was too afraid of the implications and how it would affect my life so I said no. I also now have an 8 week old baby to support (we are applying for benefits).

Could anybody possibly give me some personal advice from their experiences of taking this option and how it has affected your lives and any experiences from discharged BRs would also be good.

dalip

Hi and welcome.

First off it was the biggest step i have ever taken in my life and the best. Although i am not so sure i thought that at time:D .This forum goes a long way to helping us cope with all the major obsticles and the day to day stress of bc. There are some amazing people on here who have been through bc and lived to tell the tale.Keep posting any questions you may have and i am sure someone will be able to help.

Can i ask how much your total debt is?. There is a new alternative to bc comming out in april for people with debt below 15k.Dx

DaveBrum_2

If you are with the CCCS, they have a dedicated bankruptcy helpline you could be referred to. (I think you need to have an appt with them first). Give them a call.