Welcome Newbies and Lurkers

solventsoon

Welcome to the Bankruptcy Board.

Hello and Welcome, Many of the posters on here have been through bankruptcy. They will be able to help, advise and also offer you support. We do have poster's who have/do work for the OR and Debt charities too.

Written by Fermi our board guide:-
Many people find that debt and bankruptcy is the cause or result of a period of great distress and anxiety in their lives. For some this can reach a stage where it is difficult to cope. So I would remind you that The Samaritans are available to help you through your troubles if the emotional side threatens to become overwhelming.

Helpful Links and Information.

To post your question go to the top left hand side of BR board, opposite the page numbers and press the "New Thread" button as shown below:

And type in the Title to your thread. If your post doesn’t get answered straight away please don’t lose heart, it’s often due to not being a 100% sure we would be giving the correct answer. If you find your post is not answered and it’s on page 2, please ‘bump’ your post back up the board.

We often ask you to post your SOA so we can see if you have included what you need to:-
MSE SOA Calculator - Click here Select the MSE format at the end. Copy and paste onto your thread.

For ‘essential’ BR info this is Fermi’s sticky - Click here

BR Abbreviations - Click here

IVA & DRO Board - Click here

If you are new/old to this board and receive/see a comment that is not helpful or insensitive please don’t let it put you off posting, often these comments are made by people who don’t normally contribute to this board and don’t speak for us.

What to do if you get an insensitive or hurtful comment - Click here

solventsoon

solventsoon

dojoman

Good evening SS, hope you are fine and well today:)

dojoman

Another bump..........

solventsoon

dojoman wrote: »

Good evening SS, hope you are fine and well today:)

Hi Dojo
I am indeed, thanks, and hope you are the same:D

Nearly Friday:j

fredandwilma

NosoSunnyJim wrote: »

Hello everyone I've read some things on this forum and I think it may be a good place to get some advice. All here have some story to tell, it seems clear to me that everyone's debt is as individual as themselves. My position is no different. I am a bipolar sufferer and I am self-employed. My condition is not serious and I can usually maintain control. However it does sometimes effect my judgement and I have made some silly decisions in the past - which at the time seemed perfectly logical.

Now I am in debt and I really have no chance of ever paying it off. The main problem is that I am a contract worker - sometimes on monthly rolling contracts - I am paid very well it's just that it's erratic form of income and can vary greatly from month to month when I am unemployed/Sick/Holiday, I get nothing. Also the expenses incurred for any particular contract can also vary greatly depending on how far away it is and where in the country.

This makes it very very difficult to budget as my in/out figures can vary so much. I talked to the guys at CCCS but the budget they come up with just does not seem to fit my needs it's not flexible enough. It seems to me that it's just putting off the evil day when I can't cope anyway.

As I said, my position is not yet serious - I have just missed two payments on a credit card - I earn well when working, but my debt is over 40,000 and I continually get hit by unexpected high costs as I have no reserve left. An example of this is my landlord has just informed me that he want's to sell the house and will probably give me notice soon. As my credit rating is low now this adds another worry that I won't be able to find a place for my family to live.

Sorry for the long ramble but I don't know what to do, I thought going to the CCCS would help, but that seems to have raised moire questions than answers.

Hello and welcome Jim, i'm new as well. Maybe someone will be along soon, with some advice? I'm sorry i don't know the answers to your questions, but i hope it all works out for you.

dojoman

Hi Jim, sorry, missed your post:o try posting this question in the main forum, you should get a better response there.

dojoman

Bump................

solventsoon

Quick bump from me.

Hi Dojo, hope you're well today?