will new debt order do me instead fo br

alwaysskintsarah

hi ive already put my income and expen on another post but ive just seen about this new debt relief order am i able to do this instead of a br? the only thing i think might stop me is how much all my debts come to it was 17,527.00 but i was in a iva (got dimissed for not meeting the payments) and they are surposed to reduce the interset so im not sure if mines now under 15k do u think i should phone everyone up and ask the figure now but will then the all pursure with phone call n letters after i do this? also i been trying to getin my local cab for months i going to wait outside before they open 2morrow see if that works what do i take find out all my agreements and prof of income i only have 1 to my loan and no statements of c/cards cause i havent payed the for months and they have stopped sending them sorry to have writtin a big essay thanks inadvance sarahx

philnicandamy

worth checking the figure.....IF you then fall under the DRO limit it's cheaper than bankruptcy BUT you must include all creditors (if you forget one & they come later its not covered by the DRO)

alwaysskintsarah

hi again ive phoned all my creaditors and i owemore than 15k it comes to16,133.79 so i still have to go br can cab help me to pay the court costs or not as i heard they can help me pay by legal aid someone told me this as i need to sort it out but can find the money to do it my self as i dont own nothing and cant sell anything to get the money thanks again sarahx

tigerfeet2006

You will be able to get a reduction of £150 by filling in form EX160A.

THE £365 you will have to find or see if you can get help from a charity.

From the Bankruptcy Help sticky
Court fee remission and forms.

• HMCS - Court fees do you have to pay them? (And guidance on completing the fee remission form). (pdf)
• HMCS - Form EX160 - Application for a fee remission (pdf)
• Example application for a fee remission based on gross annual income - EX160 (Thanks to NE Derbyshire CAB)
• Example application for a fee remission based on permitted benefits - EX160 (Thanks to NE Derbyshire CAB)
• Possible assistance with Bankruptcy costs / fees (Thanks to NE Derbyshire CAB)

alwaysskintsarah

hi me again as for bankrupty i cant see where im going to get the money from to do it so i cant sort myself out what will happen if i wait with one of my bill vodafone £527 they sent me a letter saying after the 26 june they was going to sent baliffs round if i cant pay the 527 i dont really have anything they can take as i live with my mom and dad in the letter it says they will take me to court what happens if they do will i still get made br with everyone else if these take me to court?
also what will happen if i have 2 rent somewhere as my mom and dad have to sell their house as the problems there in. i will have 2 find somewhere 2 live with my parnter he has a car but also has bills too my debters cant take his car can they? also with our own house can more household expens so any advice will be grateful thanks again sarahx

tigerfeet2006

You've had some excellent replies to the phone question on another thread so I won't add to that.

Can I ask if you have any credit left on your credit cards or overdraft though?