It's done

Feelingfoolish_3

Hi all

at 10.45 today I was declared bankrupt... Here is what happened (a familiar story no doubt). :T

Got there early like you do and was first in the queue (of 2 of us) at 10. Half hour with the clerk to check my forms and then up the stairs (via a security woman, rifling through my bag lol) to see the judge. Place was packed with whatever was going on but 5 minutes after I sat down I was called through. So so quick! Judge was lovely, he asked if I had taken advice and said well I am a debt adviser but yes I also took independent and impartial advice too, the firm in question said I could do DMP but half of my creditors wouldnt play ball so therefore I could consider bankruptcy and to take further advice on that, so I said I did (with myself and you!).

My biggest fear was that he would turn me down or suggest an alternative method, he mentioned IVA but he said that this wouldnt be any good due to my debt. So he was happy this was the best course of action. I was so relieved at that moment in time!

He asked me how I felt and I said surreal! We then had a chat then about who I work for and the numbers going bankrupt in my area.

All in all, over very quick, lovely clerk, usher and judge.
That's it, I'm debt free - amazing.......

Thank you all so much for your kind words and advice, simply the best :j

desperatetobedebtfree

Well done.... you feel like a weight has been lifted...Ive just trying to do my forms now. x

dack_2

That's great feelingfoolish, so happy it all went well for you. All the best and cheers! :beer:

mustbedebtfree

Well done!!

Just wait till tonight and have the best sleep you've probably had in a long time

money_penny_26

i am so pleased for you an all the worry you have had.look forward to the future now.the biggest worry is over for you,sleep well regards penny

antarctica

hoorah!

Glad it went well for you.

now you can relax and tell your creditors to "bean off" when they call you. No more worrying about phone calls or what's in the post!

SkintYokel

Feelingfoolish wrote: »

Hi all

at 10.45 today I was declared bankrupt... Here is what happened (a familiar story no doubt). :T

Got there early like you do and was first in the queue (of 2 of us) at 10. Half hour with the clerk to check my forms and then up the stairs (via a security woman, rifling through my bag lol) to see the judge. Place was packed with whatever was going on but 5 minutes after I sat down I was called through. So so quick! Judge was lovely, he asked if I had taken advice and said well I am a debt adviser but yes I also took independent and impartial advice too, the firm in question said I could do DMP but half of my creditors wouldnt play ball so therefore I could consider bankruptcy and to take further advice on that, so I said I did (with myself and you!).

My biggest fear was that he would turn me down or suggest an alternative method, he mentioned IVA but he said that this wouldnt be any good due to my debt. So he was happy this was the best course of action. I was so relieved at that moment in time!

He asked me how I felt and I said surreal! We then had a chat then about who I work for and the numbers going bankrupt in my area.

All in all, over very quick, lovely clerk, usher and judge.
That's it, I'm debt free - amazing.......

Thank you all so much for your kind words and advice, simply the best :j

Sorry but you have to smile

Glad it all went well and good luck for your new debt free life :j:T

Feelingfoolish_3

Just told my first creditor to "bean off" antartica! She was quite good really, we shall see...

And yes Yokel, I wasn't laughing but I'm a little better now but I did say it in a nice way to the judge :-)

Thanks guys

miaoww

Wicked

Now its out with the old and in with the new fresh start!

Good luck

Next step is your or interview but thats will be ok im sure - mine was over the phone and I got all my forms etc to hand and glass of water (although cider would of been nice!)

Its must be such a relief I remeber the feeling well

:j