The November Bankruptcy & DRO Club

philnicandamy

Hi everyone, welcome to the November 2009
Bankruptcy & Debt Relief Order Club.

This club is for everyone who has gone through the process of Bankruptcy/Debt Relief Order during November 2009. So please feel free to join and post.

Pop your name on here, the date that you went/are going Bankrupt/DRO and the stage that you are at in your Bankruptcy. And then just keep everyone in the club updated throughout the next year about your journey through Bankruptcy. That way we can all stick together and compare notes and we will be there to support each other throughout the different stages in our Bankruptcy/DRO.

Remember this is your board so keep posting.

Obviously anyone can come on here and post anything that will help us all and you are all welcome. Any important questions that do need answering are maybe still better posted on the main board but if you do put it on here, then maybe we can help each other.

Hopefully it will be an extra place for friendship and support as we compare notes and discuss what is happening with our Bankruptcies & DRO's.

fairyblue publications;) i'm just don79's stand in!

cloverfan

I will (fingers crossed) be going BR on Monday 2nd November 2009...........

dojoman

We both go BR in late November all being well.

philnicandamy

Welcome Dojoman & Cloverfan to the madhouse!

Fingers crossed for you & wish you well on your dates (its really really not as bad as your imagining it will be!) look forward to updates

Phil

dojoman

Thanks for the welcome Phil, and you are right I am imagining all sorts of bad things that are going to happen to us when we have our hearing. This site has been brilliant, and we have been reading loads of threads and realising that we are not alone in our predicament.

philnicandamy

dojoman wrote: »

Thanks for the welcome Phil, and you are right I am imagining all sorts of bad things that are going to happen to us when we have our hearing. This site has been brilliant, and we have been reading loads of threads and realising that we are not alone in our predicament.

sadly the OR's office has now done away with the stocks/thumb screw combo..not sure though if they still use the "hang you up by your ankles" approach...although I quite enjoyed myself on that one :rotfl::rotfl:

glad to hear the site helped I realised the same nearly 3yrs ago read read and then read some more!..one way or another we've all been through the rollercoaster ride thats known as bankruptcy so the feelings your having at the min are perfectly normal...if anything the day in court was a little let down for me I came out thinging "hmm that it?" after i'd worried myself sick.

Good luck with it all & keep us posted

cloverfan

Its not an excuse but the majority of my debt problems are down to my weakness where by it was easier to give to my ex than to say no, he used to take our money as soon as it went into the bank(sometimes b4!). The rages,moods and occassional push/shove/things thrown at me etc... made me give in for the sake of the kids and i am terrified the judge and OR will be like "well why didnt u leave him b4?" and what did u spend this on??? etc....you should have left b4 so its our own fault your in this mess and not grant BR.....
Everyone on here is very helpful but its still really scary!!!!!

philnicandamy

It can be a very scary place to be where you are now cf...BUT rest assured we've all been there one way or another although one things for certain it WILL get better and life will improve for you in many ways...you'll look back at this in a while & wonder what the fuss was about

I suppose one of the reasons I stay around is the fact I see people posting for the first time scared/confused and watch as the posts get more and more confident as time goes on.

wouldnt worry about the OR's examiner....they do the same job day in day out and have probably seen far far far worse than your case..

TotalDespair

woooo November 09 Club started...


were November 6th 2009..9.15am....must double check the time:p:p:p

nearly there and daft questions keep poppping into my head, still everyone is kind and always answers, thank goodness..

hi Clover hows you doing and thanks Phil for starting the club off...

roll on Nov 6th 09 should have gone BR earlier in the month then could have had a mini bonefire on the 5th with all the debt collectors letters they keep sending, the guinea pig likes them for bedding shredded up, there so kind to provide Squeaky with his free bedding..

Lexie :rolleyes::rolleyes:

DON79

Welcome to dojoman & cloverfan & totaldespair! best wishes to you all for your BR! hope it goes well.


Cloverfan.............................1..........................25th November
Dojoman..............................2..........................25th November
TotalDespair.........................3..........................6th November
confused76..........................4..........................19th November
foolwithapen75.....................5...........................18th November
hd143.................................6...........................6th November
snoopy89.............................7..........................3rd November
brokebut4hope......................8..........................3rd November
Big Poppa.............................9..........................9th November
bigthyme.............................10.........................10th November
sagittarius...........................11.........................12th November
moonrose77.........................12.........................DRO completed
minxz..................................13.........................3rd November
Worriedsick22.......................14.........................12th November
curly04................................15.........................17th Novemer
fredfedup.............................16..........................23/11/09
grangers72...........................17..........................26/11/09

cloverfan

Hey TotalDespair :hello: .............. am ok thanks, starting to quietly panic! Was big and brave and told my parents tonight and they were really supportive which was nice and a big weight off my shoulders:j

How are you? Hows things going? I see you got an early appointment,me too I dont think I would have liked to wait all day!