Ask a CCCS counsellor a bankruptcy question

samjayne

CCCS_Matthew wrote: »

Hi there.

If you feel comfortable telling your creditors you are going bankrupt then you can certainly tell them that. To be honest, at this stage if you've made the decision you don't need to go out your way to answer the phone calls.

If you are going to go bankrupt next month you are best to pay no more than £1 to each of them as the rest can be used to save for the fee.

Good luck,
Matthew.

Thanks for your help Matthew, should i write to tell them i will be only paying a £1?

underfire

1, When I book my court date can I chose a day and time or do they just tell me what day and time they want me there?

2, If they don't have a day or time I can make it can I chose another court?

3, Who chooses when the Officical Reciver calls you? I have 2 hospital appointments coming up week after next and I'm afraid they will want to call me on one of these days. I can not miss these appointments as there is no way of re-scheduling them unless I wait another 2 months?

4, Final question and the crazy one: I have two and a half year old. I have no childcare (can't afford it) and no Family and I have just moved to a new area and don't know anyone yet. I have no one to look after my Child for my court date, can he come with me? I have no other option

I'm just filling in all my forms now online. Any help you can give me will be much appreciated.

Thanks

philnicandamy

underfire wrote: »

1, When I book my court date can I chose a day and time or do they just tell me what day and time they want me there? You would have to attend the day & time they say

2, If they don't have a day or time I can make it can I chose another court? they should have might be a bit of a wait sometimes...sadly you cannot attend a different court to where you live they'll only refuse you

3, Who chooses when the Officical Reciver calls you? I have 2 hospital appointments coming up week after next and I'm afraid they will want to call me on one of these days. I can not miss these appointments as there is no way of re-scheduling them unless I wait another 2 months? You'll usually here from the OR's office the same day very quickly to see if you have any immediate probs that need sorthing...tell them of your appts then & they'll work around you

4, Final question and the crazy one: I have two and a half year old. I have no childcare (can't afford it) and no Family and I have just moved to a new area and don't know anyone yet. I have no one to look after my Child for my court date, can he come with me? I have no other option he can but courts not the ideal place for him to be..you could be anything from a few minutes to a few hours depending on how busy they are

I'm just filling in all my forms now online. Any help you can give me will be much appreciated. we'll happily help fill in the bits for you go back to the start of this forum & click the "new thread" button & ask away

Thanks

Hope that helps a bit for you

underfire

Thank you philnicandamy. I'm a bit worried about what to do with the little munchkin. I really can't think of anything as DH is away often and can't change dates for Buisness trips they are booked far in advance. This is going to be a toughie. My Neighbour said she can look after him but only on two certain days of the week. Do you think if I explain to the Court they will allow me a date she can babysit for?

philnicandamy

underfire wrote: »

Thank you philnicandamy. I'm a bit worried about what to do with the little munchkin. I really can't think of anything as DH is away often and can't change dates for Buisness trips they are booked far in advance. This is going to be a toughie. My Neighbour said she can look after him but only on two certain days of the week. Do you think if I explain to the Court they will allow me a date she can babysit for?

Probably best to see when they can babysit then ring the court & see what you can arrange...thing is with courts some can offer an appt that could be a few weeks or a few days..some offer a walk-in service meaning you'd turn up on the day & be seen...best to check what the wait is with them as well

http://www.hmcourts-service.gov.uk/HMCSCourtFinder/

newby85

Hi Matthew,

That was really helpful thank you.

I was made bankrupt late 2005 and discharged early 2006, I never realised (until reading this site) that I could clean up my credit report as all my old credit accounts (bar 2) were showing defaulted and a 'Normal' Status. I sent my letters of a week or so ago and as yet nothing has been updated, however something strange has happened. I had a Credit Card and a Current Account with Halifax, just this week (after the letters had been received) these accounts were removed from my credit account and replaced with Accounts in the name of Max Recovery. Both are showing as Credit Cards (despite one being a current account) Is this normal? I'm very confused. Should I now resend the letters to Max Recovery (which I originally sent to the data controller of Halifax)

Hope that makes sense

Adam

:-)

"It is easier for a camel to pass through the eye of a needle than it is for a rich man to enter the gates of heaven"

CCCS_Matthew wrote: »

Hi Adam.

You normally find that as soon as you go bankrupt your credit file shows zero balances on your debts, so you may want to check with your official reciever to why this hasn't happened. It might also be worth sending confirmation of your bankruptcy to the credit reference agencies who should be able to update your balances accordingly.

Either way, your debts including any CCJs you had registered against you should drop off your credit file after 6 years from the date that you went bankruptcy.

Hope that helped.
Matthew.

missyp123

hi,
We will be filing for BR in a few months(saving to do it). I am going to uni in sep doing a NHS degree, while fee's are paid i will be entitled to a means tested bursary and allowed to apply for a student loan. i will not be working because the placement hours are 45per wk and i have a 3 yr old who will be 4 by then and just starting school.
Will i need to declare my bursary, and will they take this money? and if i choose to apply for a student loan(could do with a more reliable car for motorway commuting)?

philnicandamy

Student loans & Bursary should be fine you will still have to declare though

missyp123

philnicandamy wrote: »

Student loans & Bursary should be fine

so i dont have to declare them?:o and if i was to get a car with the loan would that not them be seen as an asset?

MovingForward_3

CCCS_Sue wrote: »

Hi Movingforward and thank you for message

There will be extra money in your pay because of the nil tax code. This money will form the basis of an IPA or IPO, even if you have no other real disposable income.
A nil tax (or NT) IPA or IPO may be the only amount you have to pay, and the agreement or order will stop when your tax code changes. If you have other real disposable income, the IPA or IPO will reduce when your tax code changes.


I have attached a link to an Insolvency Service leaflet on IPA and IPO which will answer any further questions.

Regards
Sue

Thank you Sue for your answer and for the pdf link. You say (as in the pdf) that the order will STOP once my tax code changes. Do you mean payments will stop but the order/agreement will continue for the rest of the 36 months, and thus any increase in my income will need to be reported during that time and payments may recommence, or do you mean that the order/agreement itself will cease to exist, and thus if my income goes up after I am discharged I will be under no obligation to report it? This is the KEY question for me.

I am self-employed.

Many thanks

MF