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Full Time Voluntary Work?
phillymitch69
Posts: 20 Forumite
I went BR on 29th June and had my OR interview last week, still awaiting written confirmation of outcome but verbally, I have been told it is likely I will need to have my house repossessed and pay a good whack out my salary, until at least AD but possibly longer.
I was prepared to do both, as this is the 'cost' of BR I anticipated and accept for a clean slate.
However, I have now been contacted by a large voluntary organsation who operate in the third world. I filled out an application form last year just before I was really getting into difficulty, submitted it and promptly forgot all about it as events overtook.
Now they have been in touch to enourage me to take it further, stating my skills and experience are urgently needed in several countries.
I would really love to take up their offer and go - a completely fresh start and the chance to feel really valued and wanted whilst at the same time being able to 'give' something back.
Realistically however, I anticipate the OR would not look on it favourably - there would then be no income to go towards my creditors - and that I would have to wait for discharge, whenever that may be.
Morally, perhaps as I am in paid employment I should stick with it and repay my debt, but is there any rule that the OR could enforce to keep me working?
Thanks in anticipation for any thoughts or advice.
Phil
I was prepared to do both, as this is the 'cost' of BR I anticipated and accept for a clean slate.
However, I have now been contacted by a large voluntary organsation who operate in the third world. I filled out an application form last year just before I was really getting into difficulty, submitted it and promptly forgot all about it as events overtook.
Now they have been in touch to enourage me to take it further, stating my skills and experience are urgently needed in several countries.
I would really love to take up their offer and go - a completely fresh start and the chance to feel really valued and wanted whilst at the same time being able to 'give' something back.
Realistically however, I anticipate the OR would not look on it favourably - there would then be no income to go towards my creditors - and that I would have to wait for discharge, whenever that may be.
Morally, perhaps as I am in paid employment I should stick with it and repay my debt, but is there any rule that the OR could enforce to keep me working?
Thanks in anticipation for any thoughts or advice.
Phil
0
Comments
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phillymitch69 wrote: »Morally, perhaps as I am in paid employment I should stick with it and repay my debt, but is there any rule that the OR could enforce to keep me working?
Nope. You are entitled to do whatever the hell you want.
As long as you cooperate with the OR/trustee obviously.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
If the OR worked out what was moraly right their offices would look alot more like a church.
To be serious for a moment though, the OR works on what is legaly right and wrong and there is nothing to stop you giving up your job. There is also nothing to stop you going abroad as long as you are contactable when the OR wants something.
Anyway moraly speaking the people in the 3rd world probably need your time or money more than the big banks doHi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.0 -
Just to add to that, going BR often happens at a point where you life is changing radically.
That can be for many reasons. Job loss, relationship breakdown, business failure, death in a family, illness, or dozens of other reasons.
Being able to fundamentally change direction and do what you mow feel the need to do is something that many people take advantage of at this time.
Nothing wrong with that, and your life is your own.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Go for it, as the OR can't stop you doing it then you should definitely do what feels right to you, we only have 1 life and w should make the most of it. As debtinfo said, the people out there definitely need you more than your creditors need your money.0
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