The Bankruptcy Club & Supporters Club

less2303

Also Angie, once printed off, there is nothing stopping you from making amendments in pen, which is what will happen when you go through the forms at the court if something needs to be changed. Try not to worry too much.

You will also find that usually the people at the court are very understanding and realise we are all human, and mistakes on the forms can be made.

goonergirl

Ahhh ! thank you all !

blows big kiss to you all!
Wow me making 2000th post never won anything before LOL

angie
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goonergirl

so do you all reckon that bit I put about the reasons is ok??? or do I need a bit more detail?

The thing that causes me not to have enough money is in part to my overdependance on alcohol and this means household budget is spent,then food petrol etc is put on credit cards which then lead to paying credit with cards / overdrafts in a vicious circle. Any emergencies also put on credit cards, also recently I have been off work with a bad back and extra expenditure for emergency Oestopath sessions have caused further problems and brought to a head the situation I am in.

not sure he gonna like seeing that in black and white but ... its the truth? though the OR might find it hard to see why a sane person would let someone drink the food money away!

angie
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Nicky_3

Is he seeking any kind of help with his addiction?

goonergirl

well its not really an addiction as in he aint an alcholic but he just likes going out with his mates ??? if you understand that ? but I can't remember who told me to word it like that?

angie
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goonergirl

do I need to add something like I am addressing this issue and staying in now and not socialising as much?

oh god i knew this would be the hard part with out rambling on for pages its very hard to condese the situation into a few words!? and He thinks Im mad any way for saying that his going out is the cause of us not having money! Oh oh oh tell me what to put someone??
Do you reckon once I know who is OR is I could phone / or write to them personally from me explaining??

angie
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Nicky_3

Ok, before I answer, do you think the reasons you can't keep up with repayments to creditors is because your OH goes out?

If your OH didn't go out so much socialising, do you think you could repay your creditors?

goonergirl

Nicky wrote:

Ok, before I answer, do you think the reasons you can't keep up with repayments to creditors is because your OH goes out?

If your OH didn't go out so much socialising, do you think you could repay your creditors?

No not now we too far in debt we don't have enough money coming in. I was working for myself earlier in the year but realised it was working out so decided to stop. we had run up most of our credit cards by then, some of it was me buying stock to sell (not vast amounts odd couple of hundred quid) but see he goes out every night of the week andif he don't there are big arguments so alot of the time I give him money set aside for shopping petrol etc cos he ll say well stick that on the credit card and give me the cash you ve got. (I know it don't make sense really!) I just don't know what to put we in debt cos we don't have enough money coming in then when we get emergency or car MOT or xmas we were putting it on credit we tried to sort ourselves out one time with a consolidation loan (£14.000) when an old debt of his for his mortgage with his ex wife surfaced but then once we cleared all the credit cards .... well you can guess im sure.
so do I put all that story plus alot more or...
a
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Nicky_3

Actually, scrap that - I see the picture - so basically, your saying the reason your OH borrowed money was so that he could fund his socialising, but now YOU have made him realise he cannot do that anymore and will no longer be doing that.

Yes, that's basically what you will need to put if there is no other reason.

The OR may apply a Bankruptcy Restriction Order which basically means the implications of bankruptcy may last longer and he won't automatically be discharged after a year.

Its all basically down to his ignorance (not meaning to sound rude) of your finances and burying his head in the sand making himself believe that his actions isn't affecting anything so he can do as he pleases.

This has just got to be faced head on, at least it might help him understand the implications that have been caused to your family due to his socialing (Although he may not admit that to you) - he's just got to face up to it and deal with the consiquenses.

Well done to you for sorting all this out for him, I hope he realises all the effort you have put into this on his behalf.

Nicky_3

Actually, scrap that - I see the picture - so basically, your saying the reason your OH borrowed money was so that he could fund his socialising, but now YOU have made him realise he cannot do that anymore and will no longer be doing that.

Yes, that's basically what you will need to put if there is no other reason.

The OR may apply a Bankruptcy Restriction Order which basically means the implications of bankruptcy may last longer and he won't automatically be discharged after a year.

Its all basically down to his ignorance (not meaning to sound rude) of your finances and burying his head in the sand making himself believe that his actions isn't affecting anything so he can do as he pleases.

This has just got to be faced head on, at least it might help him understand the implications that have been caused to your family due to his socialing (Although he may not admit that to you) - he's just got to face up to it and deal with the consiquenses.

Well done to you for sorting all this out for him, I hope he realises all the effort you have put into this on his behalf.