A few questions about BR

NC-Clio

Up-dated SoA at bottom please check.

philnicandamy

very rare a bankruptcy is declined the only chance is

Your not insolvent (you have enough to cover your debt)
You have not saught professional debt advice

You really need to speak to someone about your situation....bankruptcy isnt' the quick fix some people think it is there are far more implications

Rictina

Hi there.

philnicandamy are correct, it is very rare to be declined.

If you are insolvent you can make yourself Bankrupt. It is something that shouldnt be taken lightly, but sometimes its the only option available.

Have you spoken to a debt help charity ? Then at least everything should be clear in your own head.

Good luck.

Rictina

NC-Clio

i have spoken to a financial advisor guy that a family friend told me about, but not cccs or the likes, i will tommorow.

I really cannot see any other way, my debts leave me about 8 pounds a week??

Rictina

NC-Clio wrote: »

i have spoken to a financial advisor guy that a family friend told me about, but not cccs or the likes, i will tommorow.

I really cannot see any other way, my debts leave me about 8 pounds a week??

Good luck, It seems to me that you know deep down what is best for you, your half way there already.

Best wishes.

Rictina.

Merry_Gentry

Basically if your outgoings exceed your income, you are insolvent so you won't be declined.

NC-Clio

The forms are filled in, i have the money friday, and local court said turn up and wait to bee seen.

So all that is stopping me is wether it is the right thing to do, so i will seek professional advice then update this.

Thanks for help.

Merry_Gentry

No worries, let us know how you do.

tigerfeet2006

If you want anyone to check your SoA, then jusy pop it up and you will get advice.

NC-Clio

Just applied for a Co-Op Cash Minder account, the girl said that they needed a utility bill but it is very unlikely to not be accepted.

So thats another obstacle put in it's place for when the time comes.

P.S Is it normal to have a kinda crush on an irish girl you have never seen and only spoken to regarding a bank account?

ALSO where can ifind the SoA online form thing so people on here can give me some pointers.

Merry_Gentry

http://www.makesenseofcards.com/soacalc.html