really confused about it all (reposession and bankruptsy)

jellygirl_2

MITZIW wrote: »

jellygirl, did you tell the landlord you were/were going bankrupt when you found somewhere to rent? how did they respond?

I was already BR - yes I was totally up front with the estate agents - i did put up 3 months rent in advance and needed a guarantor but it was fine, but obviously cant speak for all agents here - my own experience is to be up front with an agency as they will find out through a credit check anyway. If I had gone through a private landlord I wouldnt have told them about the BR unless I was asked (hoping that they wouldnt do a credit check). Hopefully, I now have nearly a year of good rental standing and Im hoping it will stand me in good stead when I move on to another rented place.

MITZIW

thats great thankyou x we need to get saving then!

jellygirl_2

MITZIW wrote: »

and thankyou, think that what i need a plan so i know whats happening when and im scared ill do something wrong and it'll all be over then i'll get a letter from someone saying we still owe money!

You will find all the help you need on this forum - I wouldnt have known half of what I did if I hadnt found this place - people with real experience of all aspects of BR. Try not to let yourself get overloaded with trying to work everything out - I remember about this time last year how much pressure I felt under as I have gone through this on my own, but the brill people on this forum helped me so much to discover my best options and make a plan - I struggled for while with working out which order to do stuff in, especially regarding the house, but its panned out ok.

MITZIW

thankyou!
Doucam did you and your hubby go br?