The Bankruptcy Club & Supporters Club

Mike_St_Helens

goonergirl wrote:

Oh god ! Im feeling in a right state at the mo!
I don't know whether to stop all this now! just had 5 bills come through the post (total £550) and a demand for missed payment from kays. thing is I have some of the money saved for fees for BR and some stuff Ive sold on ebay and I don't know whether to try and pay some of these I feel so guilty ! we borrowed all this money and the goods and now I don't know what to do ?? Help!

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Dont pay them if you are SURE you want to go Bankrupt... Even the professionals will tell you that. Put them to one side, or even call them and say tyou are going to file for bankruptcy....

Do not worry......

scootw1

I assume that the judge will inform my place of employment so if there is a clause I could be packing my bags?

goonergirl

I know BR is the only way but .... cos I have some "proper" cash here it feel like I should pay it , everyone keeps saying don't tell them! I feel so sick! wish I was like my OH its just water off a ducks back to him!
Ive gone all dizzy and sick feeling ! I just wish we had had this blinking holiday I think thats whats making me feel so bad ! why the HELL did I let him talk me into booking it last year!

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rog2

goonergirl wrote:

Oh god ! Im feeling in a right state at the mo!
I don't know whether to stop all this now! just had 5 bills come through the post (total £550) and a demand for missed payment from kays. thing is I have some of the money saved for fees for BR and some stuff Ive sold on ebay and I don't know whether to try and pay some of these I feel so guilty ! we borrowed all this money and the goods and now I don't know what to do ?? Help!

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As Mike says - if you have definitely decided on br, then there is NO point in paying now - it could even be viewed by the OR as making favourable payments to one creditor.

Mike_St_Helens

scootw1 wrote:

I assume that the judge will inform my place of employment so if there is a clause I could be packing my bags?

No... Take it in.. The judge does not do anything except make you bankrupt.

The OR is the one who deals with you, they are normal working people. They do not inform your employer unless you have an income payments order, you fail to pay it a couple of times and dont co-operate.. now what is the chance of that.

goonergirl

I just wish we could do it right now! which we could if we didnt have this stupid stupid stupid stupid Holiday!

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Mike_St_Helens

goonergirl wrote:

I just wish we could do it right now! which we could if we didnt have this stupid stupid stupid stupid Holiday!

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I went away a couple of weeks before bankruptcy.. Ill be quite honest, its all I could think of. But I had a great time, knowing what lied ahead was a stress debt free life for us both. Go on holiday, relax, spend your well earned money on yourselves. come home do the deed and its all over.

Please dont try to get in a mess about it all...

goonergirl

I know I really wanna enjoy this holiday (we ve never ever had one !!) but this was extravagant! and I paid for quite a bit of it with stuff I had sold on ebay and the other £2500!!! (gulp don't look) he put on CC just didnt even seem to register when we were in the debt we were in already. but now it just seems like the most stupid thing on earth to be doing. (we going with about 20 other people so it would muck everything up now to pull out and the money is paid so we wont get it back!!

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scootw1

Take it in? what, you mean the contract?

scootw1

The OR is the one who deals with you, they are normal working people. They do not inform your employer unless you have an income payments order, you fail to pay it a couple of times and dont co-operate.. now what is the chance of that.

And what does the OR say to you?