The April 2009 Bankruptcy Club

yellowmonkey

Cherrio you 2 and all the best

ym

mna78

Well we're done, got to the court at 9:50am for a 10:00am appointment. There was 7 or 8 other cases on the 10:00am slot and we were at the bottom of the list.

All the hearings seemed pretty quick and at 10:22am we were offically Bankrupt. The judge was a nice old guy, very friendly and asked if we'd sort advice and explained that we may get to keep the house if theres not much equity in it, said that the OR will be sending us a large pack to fill in and that they only look to recoup a much smaller % than a creditor would.

The clerk took maybe 5 minutes to do her thing and we were out around 10:30am.

It hasn't sunk in yet, feel kind of numb... not sure what to do with the rest of the day yet.

Thanks for all the advice I picked up on here and I shall keep you posted with how it goes with the OR. Hopefully they'll call today/tomorrow so that I can clarify if I can continue to use my Co-Op account.

philnicandamy

really pleased to hear all went well....

sieve

mna78 wrote: »

Well we're done, got to the court at 9:50am for a 10:00am appointment. There was 7 or 8 other cases on the 10:00am slot and we were at the bottom of the list.

All the hearings seemed pretty quick and at 10:22am we were offically Bankrupt. The judge was a nice old guy, very friendly and asked if we'd sort advice and explained that we may get to keep the house if theres not much equity in it, said that the OR will be sending us a large pack to fill in and that they only look to recoup a much smaller % than a creditor would.

The clerk took maybe 5 minutes to do her thing and we were out around 10:30am.

It hasn't sunk in yet, feel kind of numb... not sure what to do with the rest of the day yet.

Thanks for all the advice I picked up on here and I shall keep you posted with how it goes with the OR. Hopefully they'll call today/tomorrow so that I can clarify if I can continue to use my Co-Op account.

Well done mate, glad all went well and it was nice and quick.

I am now officially absolutely cacking it with less than 2hrs to go.... the reality is sinking in!

Be back later all x

yellowmonkey

Hey well done and congrats :T:T:T:T

Know what you mean about feeling numb. It will pass and the good times are just around the corner

ym

yellowmonkey

sieve wrote: »

Well done mate, glad all went well and it was nice and quick.

I am now officially absolutely cacking it with less than 2hrs to go.... the reality is sinking in!

Be back later all x

You will be fine sieve. Nothing to it .

Good luck

ym

philnicandamy

yellowmonkey wrote: »

You will be fine sieve. Nothing to it .

Good luck

ym

yep....what he said! :D

yellowmonkey

Going back to feeling numb I can remember when I first came on here you start posting support and asking for advice and congratulating people who have done the deed ( as you should :T ) but deep down I felt very envious of the people who were now debt free and could not wait until it was my turn. Once it is done it is like a release valve and it takes a bit of time to sink in.

Sorry if that sounds a bit selfish but that is how it felt for me and everyone who I congratulate/ed I meant it and will continue to do so 100%

ym

Edit...Sorry to get so deep just after lunch

philnicandamy

Blimey YM very deep for a weds lunch!:p:D........although I agree 101% i've been BR over 2yrs now & apart from my poor health life is very good

black_coffee_3

DON79 wrote: »

Hi black coffee. welcome to the April Club! congratulations on your BR and hope your OR interview goes well.

Blimey-o-riley! I just had my OR interview over the phone. It lasted 42 minutes!! :eek: Going to have a strong black coffee now!

Still, it's all over now, thank goodness! 51 weeks (and counting) until automatic discharge! :T