The Bankruptcy Club & Supporters Club

Mike_St_Helens

scootw1 wrote:

Will they want to see the IVA proposals in order to ask why they didnt work?

They will ask for them from the IP you were dealing with, they will only want the address.

scootw1

They will ask for them from the IP you were dealing with, they will only want the address.

So that will come after the interview then?

Mike_St_Helens

scootw1 wrote:

They will ask for them from the IP you were dealing with, they will only want the address.

So that will come after the interview then?

Well... If you have gambled a lot, they may give you an extended discharge, That means that you will be bankrupt a while longer,... Doesnt mean anything, just that you cant get credit over 500, be a director etc... They may not mind.

Then if you have exess income they will ask for a % of that, paid for 3 years.

thats about it... You then get on with your life debt free.

goonergirl

Mike_St_Helens wrote:

And... Ive spent over an hour trying to convince her that she isnt to worry and just do what she think is right !!

thanks Mike !
I am listening to everyone. :rolleyes:
I dont' think even if I could get a full refund my OH would and its all in his name can't see him telling his mates he not going now. But we wont get a refund now the date for refund was 31 aug and we d paid it all by then! we paid most of it last year when we booked it! then i thought my business was doing fine and it would all be alright! all that happened was the more i earned the more my OH drank!

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Mike_St_Helens

goonergirl wrote:

thanks Mike !
I am listening to everyone. :rolleyes:
I dont' think even if I could get a full refund my OH would and its all in his name can't see him telling his mates he not going now. But we wont get a refund now the date for refund was 31 aug and we d paid it all by then! we paid most of it last year when we booked it! then i thought my business was doing fine and it would all be alright! all that happened was the more i earned the more my OH drank!

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So where ya going queen.. Have you started packing yet ?

goonergirl

did ask payplan about it when I rang them last week she asked when we paid for it then said don't worry about it its done with now! yeah easy for her to say!

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Mike_St_Helens

goonergirl wrote:

did ask payplan about it when I rang them last week she asked when we paid for it then said don't worry about it its done with now! yeah easy for her to say!

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See... Even the professionals say the same

goonergirl

You really wanna know that mike??? god you d all hate me forever if I say and don't think i can cos I would feel even more of a fool than I do now!! its not really one of my proudest things! even though it really really should be.

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goonergirl

I don't actually know why "I" am the one worrying really as its OH that gotta do all this and justify it ! but thats how our relationship works I do all the worrying for everyone and everyone else just goes about their business as normal! but it will be my fault if he says the wrong thing.

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rog2

scootw1 wrote:

Will they want to see the IVA proposals in order to ask why they didnt work?

Hey Scoot - I can see that this whole process is worrying you, so please can I offer you some advice?
Go and make yourself a cup of coffee and sit down with a pen and paper, then write down ALL of the things that worry you.
Don't worry if it is a long list, or if you have already asked the question.
Once you have made your list, post it on here then we'll be able to advise you a bit better as some questions will impact on others.
In the meantime - don't worry. Neither the judge, nor the OR, has any interest in trying to make you feel like a criminal or putting you down in any way. Bankruptcy is a way of dealing with a situation that would otherwise be considered hopeless. At ALL stages in the process the overriding interest of those people who are dealing with you is to sort out the situation.
You are one of a growing number of people who find themselves in this situation and bankruptcy will give you a genuine chance of putting the past behind you.
Once it is over, you will wonder what the hell you were worrying about.