bankruptcy

crisispoint914

Hi all I have posted a couple of times on here (thanks for good advice everyone) but I still have reservations about declaring myself br. Just a couple more questions (for now!!)

1. How long does it take from applying to the court to be seen and given a decision (roughly)??
2. Are there any options on paying fees as it will take me nearly a year to save them up?


Thanks in advance

I'm hoping to come to a decision soon as this is all I ever think about and I need to sort my life out!!!

curly04

Hi CP
if your in england it is done there and then - you pay your money - you see the judge - all done
Re the fee's you have to pay them first - are you on any benifits?

crisispoint914

I am working (for a pittance lol) and get wtc and ctc does this help or hinder me???
Forgot to yes I am in England

curly04

not sure i know if you didn't work you could apply to the untility companies
they may still help you, i earned to much and could afford it once i stopped paying the bills
mine is north west water what area you in?

crisispoint914

north west also

curly04

if you are on a low income give them a call
people like british gas and other like that can help but i dont know the cirteria

crisispoint914

Apply to the utility companies for what??? (Please excuse my ignorance)

curly04

they will pay the BR for you £450
but you will still have to pay the court costs of £150 - then again depending on what you are on they might waive them - you need to speak to the court in your area

sjaypink

curly04 wrote: »

Hi CP
if your in england it is done there and then - you pay your money - you see the judge - all done
Re the fee's you have to pay them first - are you on any benifits?

Unfortunately this is not always the case. Some courts currently have waiting lists of up to 6 weeks. OP needs to contact his local court asap to find out what system they operate.

£450 OR fee must always be paid.
£150 court fee can be waived if on low income. Payment must be made before you go BR.

crisispoint914

Thank you, my to do list only ever seems to grow!!!! Every time I feel ready to apply I come up with a million more questions!! Hey ho keep smiling I say (or try to )

andyf1980

sjaypink wrote: »

Unfortunately this is not always the case. Some courts currently have waiting lists of up to 6 weeks. OP needs to contact his local court asap to find out what system they operate.

£450 OR fee must always be paid.
£150 court fee can be waived if on low income. Payment must be made before you go BR.

Spot on. In my ignorance I arrived at the court with money and forms expecting to emerge bankrupt. I was sent away and told to come back in 2 weeks!

In terms of the court fee you can get a fee remission if you are on income support, income based jobseekers, income based ESA.

You can also apply based on your income. The thresholds are variable based on single/couple/kids etc. If you google hmcs and search for ex160a there is extensive guidance.

I'm still waiting to get my money back because I didn't provide everything necessary