The Bankruptcy Club & Supporters Club

gettingitsorted

Well tomorrow is b day not only for me but Mike also

so hope everything goes well for you mike

Will post when i get back to let you know how it went and how i found it

rog2

gettingitsorted wrote:

Well tomorrow is b day not only for me but Mike also

so hope everything goes well for you mike

Will post when i get back to let you know how it went and how i found it

Good luck to both of you :beer: Look forward to seeing the look of releif on your faces - keep us posted:beer:

sandralovescats

gettingitsorted wrote:

Well tomorrow is b day not only for me but Mike also

so hope everything goes well for you mike

Will post when i get back to let you know how it went and how i found it

Good luck to both of you - yes do let us know how it goes! My turn very soon!

sandralovescats

I have just been to the insolvency site to check (again!!) my Statement of Affairs and found it was all at 0% completion - I nearly had a heart attack!

Found it, though, fortunately! Phew! That form took me the best part of two weeks to complete.

Just a small question - I take it that once you click the submit button and have printed off one copy of the forms that is all I need? Does anybody know who has gone voluntarily bankrupt?

gettingitsorted

Hi Sandra ,

I was told just to print one set off for the court .

sandralovescats

My current Statement of Affairs - for the SoA in bankruptcy

Income £239.00 per month DLA

At the moment, for the last three weeks, that is it!

Hopefully I will also get

£236.80 Incapacity Benefit

Total = £476.60


Expenditure

Contribution to household expenses 80.00
Food (self + 2 cats) 160.00
Hairdresser 10.00
BT 15.00
Petrol 40.00
Optical + Dental 20.00
Car insurance 36.96
Vet fees 5.00
Swimming Fees 30.00
_______
Total of £395.96


Do I need to include anything else?

Ames

Car maintenance, Xmas, birthdays etc, clothes.

That's just off the top of my head. Do you have any extra expenses due to your disability?

rog2

sandralovescats wrote:

Do I need to include anything else?

Hi Sandra,

The form that the OR has sent me asks for the following breakdown:

Part 3 Income

Please enter amounts of monthly household income
Your usual take-home pay (including overtime, commission and bonuse)
The amount your partner contributes each month to th household expenses
Child benefit(s)
Other benefit(s)
Pension income
Contribution made by other adults in your household
Other income (please give details)

Total Income

Part 4 Outgoings

Please enter amounts of monthly household expenses
Mortgage payments/Rent (delete as applicable)
Council Tax
Heating and Lighting
Water
Telephone
Housekeeping
Essential travel expenses
Clothing
Maintenance payments
Fines
Other essential payments (please give details)

Total monthly outgoings

Hope that's of some use.
Rog2

sandralovescats

I have no other income and no other outgoings!

In December I will be getting a car with automatic transmission from Motability, which will lose me the car insurance payment, and I lose £43.45 per week from my income on that.

I literally cannot afford to pay for anything else.

I got rid of my mobile phone, downgraded my membership for swimming, simply because I couldn't afford to pay for it.

I have no savings, my private pension is worth about £5000, that's it, nothing else to declare.

sandralovescats

Ames wrote:

Car maintenance, Xmas, birthdays etc, clothes.

That's just off the top of my head. Do you have any extra expenses due to your disability?

My car has not been serviced since I bought it 07/05 because I can't afford to pay for it. The car is going in the bankruptcy anyway.

I only have two people to buy birthday and Christmas presents for.

Clothes? I don't think I will ever be able to buy any ever again the way I look at it!

I know all this sounds glib but I am really upset about the whole thing. Up until May of this year I was earning over £23000 a year. That went downhill due to being unwell, culminating in being signed off sick on 13th October to state benefits - which they are being very slow at paying me. Right now I don't even know if they are going to pay me any SB at all.

Have had to get the £475 together to pay for BR because I don't know - until 17th November - if they will waive the £150 court fee.

Right now I am in a mess, I am depressed and the whole thing makes my medical condition worse.