The Bankruptcy Club & Supporters Club

uskoks

Mike_St_Helens wrote:

WOW.. What at wait, Id urge you to go to the high court if you have the funds aready and awaiting... its all over in a day !

When you say you and your OH.. Was it a business that you have had, or is it personal insolvency that you will be filing for. Reason I ask is we were going for peoronal and we halso had a business together (a pub)... We were told to apply for partnership bankruptcy. means we can do it all together and there is only one fee...

Hi Mike - great club you got going here Would like to join if possible. We're going for a personal insolvency - no business.

Can we just get up and go to the High Court or do we need to make an appointment?

badlyoverdrawnboy

Mike, you've given some invaluable advice here and I take my hat off to you mate. You're now embarking on a very different journey. it's nowhere as easy as everyone here might think. Sure the debts have gone but there are a lot more issues than you could imagine. Can I just say to anyone thinking of BR please take professional advice first. The judge will probs ask and if not the OR certainly will. Try every other avenue first. if you want first hand experience try http://www.debtquestions.co.uk/debt_forum/ OR's post here as do DC's

BR is not easy. Good luck all I know how it feels

Mike_St_Helens

badlyoverdrawnboy wrote:

Mike, you've given some invaluable advice here and I take my hat off to you mate. You're now embarking on a very different journey. it's nowhere as easy as everyone here might think. Sure the debts have gone but there are a lot more issues than you could imagine. Can I just say to anyone thinking of BR please take professional advice first. The judge will probs ask and if not the OR certainly will. Try every other avenue first. if you want first hand experience try http://www.debtquestions.co.uk/debt_forum/ OR's post here as do DC's

BR is not easy. Good luck all I know how it feels

BR is definatley not easy.... Especially the few weeks before court !! Things can only get better mind.

A long road to follow.. But its for the best if you need it.

That link you posted is great, I have been using that for some time. Invaluable advice.

Cheers

Mike_St_Helens

uskoks wrote:

Hi Mike - great club you got going here Would like to join if possible. We're going for a personal insolvency - no business.

Can we just get up and go to the High Court or do we need to make an appointment?

Course you can join.. Your number is 27

As far as I know you can simply just go to the High court ... Im sure someone will be along soon to let you know the exact process.. or call them maybe...

sarah_skint

thats it done br date 30thnov

Mike_St_Helens

sarah_skint wrote:

thats it done br date 30thnov

Well done.. Not long to wait. :cool:

I have just recieved a lot of very official looking forms to fill in.. Its called a Preliminary Information Questionarre... does anyone jknow anything about it...

There are some very scary questions, some I simply dont know !! Im worried again...

severussnape

hi everyone hope you are all well (in physical sense if not in mental)

just to give you an update from our B.. the OR has now got in touch and has sent through two of the credit card statements wanting to knoe were the money went that we took off the cards ( oh had started new job and was between pays so we lived off cash advances this was way before we even did a dmp ) so we have had to go back to our old bank and ask for statements for this time so we can prove where it went ( and yes we do have every penny accounted for) so be aware if you have taken any cash off your cc's the OR will want to know where it went. On a lighter note he wasn't even interested on the money spent on purchases.

will be ok if i offload some about my mother in law and our car?

Mike_St_Helens

severussnape wrote:

hi everyone hope you are all well (in physical sense if not in mental)

just to give you an update from our B.. the OR has now got in touch and has sent through two of the credit card statements wanting to knoe were the money went that we took off the cards ( oh had started new job and was between pays so we lived off cash advances this was way before we even did a dmp ) so we have had to go back to our old bank and ask for statements for this time so we can prove where it went ( and yes we do have every penny accounted for) so be aware if you have taken any cash off your cc's the OR will want to know where it went. On a lighter note he wasn't even interested on the money spent on purchases.

will be ok if i offload some about my mother in law and our car?

I had cash advances and balance transfers left right and cerntre !! ni idea where most went.. into the business, living costs... certainly havent got any left !!

Whats happening with your car ?

noxida

My son declared himslf bankrupt lat friday had excellent advice from the welfare rights department at the local council ,the guy we dealt with filled in all the forms and things even wrote a letter explaining how he got himself in the situation for the judge and the service was free so check out you welfare rights service they were a great help as me and my husband have been devestated because of this we have given our son all the help and support we could have including the bankrupcy fees and the guy we dealt with gave us a lot of emotional support i cant thank him enough we picked up the forms at 10am had to be at the court at 10.50am they checked put the forms and we paid the fees we then saw the judge at 12.10pm and were back to see the clerk 2 minutes later all over the or rang 1 hour later and said he would call sometime this week all in all although it was my son in this situation the emotionall effect on us as parents has been devestating now the only way for him is forward and we have to put this behind us ,also thank you to all you people out ther who post on these boards you have been a godsend when ive needed any information ive looked at all you experiences thank you

Mike_St_Helens

noxida wrote:

My son declared himslf bankrupt lat friday had excellent advice from the welfare rights department at the local council ,the guy we dealt with filled in all the forms and things even wrote a letter explaining how he got himself in the situation for the judge and the service was free so check out you welfare rights service they were a great help as me and my husband have been devestated because of this we have given our son all the help and support we could have including the bankrupcy fees and the guy we dealt with gave us a lot of emotional support i cant thank him enough we picked up the forms at 10am had to be at the court at 10.50am they checked put the forms and we paid the fees we then saw the judge at 12.10pm and were back to see the clerk 2 minutes later all over the or rang 1 hour later and said he would call sometime this week all in all although it was my son in this situation the emotionall effect on us as parents has been devestating now the only way for him is forward and we have to put this behind us ,also thank you to all you people out ther who post on these boards you have been a godsend when ive needed any information ive looked at all you experiences thank you

Glad it is over for you. he still has a bit to go, but its good that he is now debt free and can get on with the next part of his life. And so can you.

We are always here to help, whatever question, however small... someone will be able to help.