I have my bankrupcy hearing tomo SCARED ADVICE PLEASE!

immoral_angeluk

Good luck but I'm sure you won't need it and will be surprised how easy and straight forward it is!

dojoman

Good luck from me also, but as the others have said, you will not need it, hope it goes well for you.

emos4607

Hi summer, spooky that after all the worrying we did about IVA or BR that we have both got the same date - mine is at 10:30 this morning. Getting very nervous now and want it all over and done with. GL GL GL x

JSAisnofun

It is not that scary. As previous posts have said. But was is the most wonderful feeling in the world is when the judge says "you are no longer responsible for these debts". A physical weight lifts from your shoulders and a wonderful debt free life begins. Its priceless!!

summer19 wrote: »

Hello,

Its finally the day for my b/r hearing tomo,!!! I am absolutly petrified, I know you may say its a good thing but I am so scared, I have either done the forms wrong or I will say the wrong thing. This has been such a massive problem that hopfully it will be sorted soon. But what actually happens tomo???? is that it or do we have to wait??? I could list a million questions,

any advice would be great.

Thanks so much.xxxxx

Doucam

Thinking of you - hope you are ok and look forward to the Yay I did it update later!!

summer19

Thanks guys,

It wasn't very nice but all done, they said we will get a phone call, What does this in tale?im still scared about this.So ts not all over yet, Just had the 1st call from a lady she was lovely she said we now get a more in depth phone call, THATS WHAT SCARES ME!!!!!!!! WHAT DO THEY ASK????? also does anyone know anything about the £211 you pay for the equity in your house, im not sure when or how we do this.

God I do go on dont I??????????????????????????????

Appreciate the support, dont know where I would be if it was not for this forum.

xxxxx

immoral_angeluk

In the phone call they usually ask about things that were on your application, including mainly the reasons for going BR so they can check it is a genuine application. You've done the worst part now I wouldn't get too stressed over it

confused76

hi summer i'm glad you got through the court bit ok! i hope you are relaxing a bit

the phone call isn't anything to worry about. they go through your br petition and check details. they go through each item of debt and ask you what it was for eg car, house improvements, day to day living expenses etc but they don't go through items on your statements etc it's a general overview. the OR asked me why i thought i had got into this situation, i just echoed what i had written on the forms.

for your phone call have your forms in front of you and some idea what each debt arose for

please don't worry, the worst is over x

sizzler

Good luck you will be fine:)

sizzler

summer19

Thanks thats again good advice, so is it ok just to say everyday living obviously somethings were stupid buys thats what scares me the most saying the wrong thing, like a couple of credit cards were my sister and friends getting married abroad so we put them on cards! i just dont want to say the wrong thing. be glad when phone call is over, its still hanging over me now till then, A large glass of wine for me tonight I think!!!!!!