Can the Judge say no

curly04

Can I go to Court and the judge refuse to declare the RB?

Or could the OR make it hard for me if it is granted?

Thanks

fiveyearplan

Some of the reasons a judge wouldn't grant your petition is

if you weren't insolvent
you didn't take advice

curly04

i;ve spoken to CCCS and we were about 700 short each month and 53k in negative equity

fiveyearplan

I don't see a problem then! I wasn't asked if I had taken advice but many others are. In fact, I didn't even see a judge.

curly04

just so scared, it was started by depression and then got out of control and then borrowing of one to pay other

fiveyearplan

Please try not to worry. Have you filled in your reasons for bankruptcy?

curly04

yeah told the truth

was ill was in and out of hospital and got very depressed, and everyone was offering me credit
then in 2005 really struggling but got a new job and good bonus so could pay what I said I would
then was ill again and couldn't pay but did our best and the bonuses started to get smaller and couldn't afford to live any longer so took some advice

confused76

i know, it's hard not to be scared - i know i am! the situation you describe is something they will have come across many times though so don't worry. you've done your research, had advice etc...chin up x

fiveyearplan

You'll be fine curly! It is the stress leading up to bankruptcy that is the hardest, the BR itself is easy!

curly04

sounds awful I am hoping once my other half is BR aswell (about another 2 months to save the £510) I will sleep at night, I've not slept well for 7 years

I didn't want to tell people as I was so scared but when provident barged in to my house even after paying them I was so scared so spoke to my boss who gave me the number for CCCS and they were great

Sorry for my rant at that person earlier, you are right 99% of you are lovely

Thank you so much

fiveyearplan

Well just think once OH is BR as well you won't have any creditors hounding you anymore and you can actually start living again! You'd be surprised what an affect stress has on your health!