The BR ball is rolling.

cosmic_dave

Ok we are off, just been on the phone to my local BR court and the forms are in the post, does anyone know if once the judge has declared you BR that is it for your debts and anyone chasing payment can be told you have been declared BR or do you have to wait til after you have seen the O.R. ? also I have never been to court before, Will we be able to take the kids ? We have no family to look after them in the area, or would this be frowned on by the court.

philnicandamy

Nope once the papers are presented & signed in court thats it...your officially bankrupt & if a creditor calls just tell them your court number ***/2010 your court & OR details

the receiver will contact all creditors within 8wks or so afterwards anyhoo

kids? not the greatest of places to take them to be honest the court wont mind but you could be looking at anything from half an hour to a few hours depending on the court..so plenty to keep them amused!

cosmic_dave

philnicandamy wrote: »

Nope once the papers are presented & signed in court thats it...your officially bankrupt & if a creditor calls just tell them your court number ***/2010 your court & OR details

the receiver will contact all creditors within 8wks or so afterwards anyhoo

kids? not the greatest of places to take them to be honest the court wont mind but you could be looking at anything from half an hour to a few hours depending on the court..so plenty to keep them amused!

Thanks, just need to raise the cash now, Ive been told you can get a reduction in fees does anyone know how to do this ?

philnicandamy

have you had some advice though 1st from cccs/nationaldebtline/cab?

its a question the courts WILL ask if you aint then they could refuse your petition

for fees...

Court fee remission and forms.

• HMCS - Court fees do you have to pay them? (And guidance on completing the fee remission form). (pdf)
• HMCS - Form EX160 - Application for a fee remission (pdf)
• Example application for a fee remission based on gross annual income - EX160 (Thanks to NE Derbyshire CAB)
• Example application for a fee remission based on permitted benefits - EX160 (Thanks to NE Derbyshire CAB)
• Possible assistance with Bankruptcy costs / fees (Thanks to NE Derbyshire CAB)

cosmic_dave

philnicandamy wrote: »

have you had some advice though 1st from cccs/nationaldebtline/cab?

its a question the courts WILL ask if you aint then they could refuse your petition

for fees...


Court fee remission and forms.

• HMCS - Court fees do you have to pay them? (And guidance on completing the fee remission form). (pdf)
• HMCS - Form EX160 - Application for a fee remission (pdf)
• Example application for a fee remission based on gross annual income - EX160 (Thanks to NE Derbyshire CAB)
• Example application for a fee remission based on permitted benefits - EX160 (Thanks to NE Derbyshire CAB)
• Possible assistance with Bankruptcy costs / fees (Thanks to NE Derbyshire CAB)

We are using the national debt line they said to call back if we decided to go br and the would help. another question I have tho is will all debts even small £200 be written off ?

dojoman

cosmic_dave wrote: »

We are using the national debt line they said to call back if we decided to go br and the would help. another question I have tho is will all debts even small £200 be written off ?

Yes all unsecured debts will be written off, there are a couple of exceptions like a student loan, can`t remember the others (sorry) that cannot be included.

miss_spooky

The exceptions are:
Court fines i.e speeding tickets but not parking fines. Those can go in.
CSA
Student Loans
Tax credit & other benefit overpayments if gain fraudently (i.e not notifying of change of circumstances). Most overpayments have to be proven that they were in error on not your fault.

Think that's it.

Also as per you other thread, I wouldn't tell any creditors that you are going BR as they will just pump up the calls for money to get what they can before Br day.

dojoman

If the parking fine is issued by the Police then you cannot include this, if it is issued by the local authority then this can go in the BR. I actually had one issued by the LA and was allowed to include it, but was told by the OR if it had been issued by the Police then I would have had to pay it.

philnicandamy

student loans as well...depends on if they're the old style ones or the later ones if they can be included

debtinfo

And it is any debts incurred fraudulently