bankruptcy date

leahceri

Hi
I spoke to my CAB advisor yesterday and she has booked me in for March 29th for my bankruptcy. I am dreading it but I just want to get it over and done with. Having this site helps - knowing that there are other people in the same boat. Also, reading the advice and experiences of others.
Thank you all.

icm_2

Good Luck leahceri. I found the whole experience quite simple, once the decision is made. I hope you find the court staff very understanding and polite, I did when I went to declare myself bankrupt. I came out of the court thinking, what was I afraid of?

ICM

confused76

hi there
i was also dreading it, but things start to look brighter once it's done. i um'd and ah'd over it for ages, wish i had done it earlier.
try not to worry, if you have any questions post them and we'll be glad to help
i found this site a massive comfort and i'm not sure how i would have coped without it
good luck x

sizzler

good reply confused:j
thanks

IF

Hello leahceri, thinking of you march 29th. You'll be fine.
Good luck.
Ifwishes...x

leahceri

hi
Thank you everyone for your support

philnicandamy

Leahceri i'll not repeat the excellent advice you've already had...try not to worry (its really NOT as bad as your thinking it will be to be honest) and as ICM said three years ago I came out of court thinking "huh....was that it?"

you'll feel a little flat for a day or two but then the feeling of all the weight lifting will kick in...best think I liked about my bankruptcy day?? the best nights sleep that night i'd had in a long long long time

Phil x

dojoman

As everyone has said you will be fine, everyone feels the same as you but it really is a painless process, and everyone at the court are usually very nice and understanding.

So_Sad_Angel

Hi Leah

I know it may seem daunting....I`m going through it too. Someone said to me recently that I should look forward to it as a new begining & as a real positive opportunity to get on with my life. It still scares me to death but I am looking beyond it now & seeing what I `can do` rather than what is `holding me back.`

Not sure if that makes sense but its that light at the end of the tunnel....just got to focus & move towards it.

Good luck,

Angiexx

whichwhydoIturn

HI everyone can you help me?


4 years ago almost I have been with a dmp.started with 36k ersonal debt( joint and single ).however 4 years down the line i owe 32k.so as i am 48 now i will be 80 before i am debt free. my dmp people (gp) have said that i wouldnt be considered for bankruptcy as i have joint debt with my husband (he left the month we made our 1st payment to debt mgt people) never heard or seen him since.i have paid both his and mine as i thought it the right thing to do.they also said that i wuldbe nt considered for an iva for the same reaqson. they charge me 29.50 a month .i just want to be free from this debt circle so much.i dont know what to do.i work full time no small children,losy my house through repossesion 2 years ago as i struggled to apy that and the dmp company just dont know where i should go now. thank you for any help/advice you can give me and sorry i went on .x

dojoman

whichwhydoIturn wrote: »

HI everyone can you help me?


4 years ago almost I have been with a dmp.started with 36k ersonal debt( joint and single ).however 4 years down the line i owe 32k.so as i am 48 now i will be 80 before i am debt free. my dmp people (gp) have said that i wouldnt be considered for bankruptcy as i have joint debt with my husband (he left the month we made our 1st payment to debt mgt people) never heard or seen him since.i have paid both his and mine as i thought it the right thing to do.they also said that i wuldbe nt considered for an iva for the same reaqson. they charge me 29.50 a month .i just want to be free from this debt circle so much.i dont know what to do.i work full time no small children,losy my house through repossesion 2 years ago as i struggled to apy that and the dmp company just dont know where i should go now. thank you for any help/advice you can give me and sorry i went on .x

Try starting a new thread with this question and you will get a lot more help. Forget what you are being told, the only reason you would not be eligible for BR was if you are not insolvent. Try talking to one of the debt charities, links below, they should be able to help you. If you do go BR, any joint debt then will fall on to your OH, but you would be free of it, if you do not have any assets to lose then BR does sound like the best option, but please contact one of the below for free advice.

https://www.cccs.co.uk/
https://www.nationaldebtline.co.uk/
https://www.citizensadvice.org.uk/