Bankruptcy Professional Help

systemshq

I'm around £60K in debt to credit cards and banks, have no job at the moment and am looking to declare myself bankrupt. I'm resident in England and I'm wondering whether anyone has used a Bankruptcy Consultancy firm to help with paperwork etc. If so I would be very grateful for any advice as to who the best firm to approach is and any gotchas. Many thanks in advance.

MikeJO

The best professional help is free...

• Consumer Credit Counselling Service - Website: CCCS Telephone: 0800 138 1111
• National Debtline - Website: National Debtline Telephone: 0808 808 4000
• Citizens Advice Bureau - Website: Citizens Advice or visit your local CAB centre (find nearest)

There really is no need to pay for help with the paperwork, the charities will advise and there is always a wealth of experience on here. Don't waste your money.

alastairq

hi..as above...............plus it will cost you ITRO £1000 more to get a 'professional' to fill in your paperwork...and believe me, you'll still do most of the work!

sfjnet

Yes, I agree with the above. It can seem extremely daunting to complete all the paperwork but with advice from the debt charities and help from the good people on this forum you WILL be able to do it yourself and save a huge amount of money. A word to the wise - don't leave it until the last minute though. I left filling in my BR forms until the day before my court date and it ended up taking hours longer than I thought it would!

Best of luck to you.

tigerfeet2006

Agree with the rest of the folks. Talk to someone like National Debtline and post on here and all you will need to pay is your £600 fees. Though if you are on benefits then you should be able to get the court fee remision and only have to pay the £450 OR fees.

Court fee remission and forms.

• HMCS - Court fees do you have to pay them? (And guidance on completing the fee remission form). (pdf)
• HMCS - Form EX160 - Application for a fee remission (pdf)
• Example application for a fee remission based on gross annual income - EX160 (Thanks to NE Derbyshire CAB)
• Example application for a fee remission based on permitted benefits - EX160 (Thanks to NE Derbyshire CAB)
• Possible assistance with Bankruptcy costs / fees (Thanks to NE Derbyshire CAB)

The above info is from the Bankruptcy Help sticky

https://forums.moneysavingexpert.com/discussion/1056083

Have a read of the thread when you can.

If you get stuck then ask any questions you need to.

Tupperware_Queen

what they all said!!! If I can do it, anyone can!!

systemshq

Thanks to everyone for taking the time to reply - will be doing it myself!!:):)

alastairq

don't forget...although the court papers amount to over 40 pages [don't forget to get them copied in triplicate]....a lot of those pages may not even apply to the individual seeking to be declared BR.


is the online version available yet again?