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At my wits end
Comments
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Just to confirm, since 2004 the automatic discharge has been 1 year, prior to this it was 3 years or 2 years for a summary case (part of which was lower liabilities)
Now it is 1 year, the amount of debt has no bearing at all on the length of the bankruptcy, what does is the conduct before and during the bankruptcyHi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.0 -
Sadly despite many emails in the past to them they still hold seriously out of date material
always best to use www.insolvency.gov.uk
many many useful documentsWe all die. The goal isn't to live forever, the goal is to create something that will0 -
I thought the two were connected, know now and won't use the helpline one again. Thanks for the heads up.When I joined, I needed a name. The forum members gave one to me...I am INAN
"Fortunes ebb and flow and a boat must move with the tide and be thankful that it floats." Judith Allnatt0 -
Wow
thankyou all very much...
I know it was what I have do and thanks for your advise and
support. I will speak to my new partner ove the weekend about
my situation. (not looking forward to this but it has to be done).
I have rough time ahead but this was caused by my stupidity
and lifestyle.
One other question I still pay child maintence which is not through
the CSA as I love my children and I pay around £50 more than I should. Wha will the OR do bout this....
I have actually smiled today reading this which is the first time I can rememeber
Thankyou very much again.., Thanks0 -
they're not connected at all....We all die. The goal isn't to live forever, the goal is to create something that will0
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Penelope - I am unable to delete my own posts, but did say above I'm happy for them to be removed by those who can.When I joined, I needed a name. The forum members gave one to me...I am INAN
"Fortunes ebb and flow and a boat must move with the tide and be thankful that it floats." Judith Allnatt0 -
Ineedaname wrote: »I thought the two were connected, know now and won't use the helpline one again. Thanks for the heads up.
Dont worry about it, they want you to get the two confused, its part of their marketing stratagy :-)Hi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.0 -
PLEASE speak to your girlfriend - the build up to doing it is awful, but in my experience, once it was done, I felt stones lighter! Obviously, you dont know her response, but, you have to do it.
If it makes you feel any better to know you arent alone, I have built up £37k debts without my husband knowing ANYTHING over the last 12 years - I finally told him a month ago, the day I phoned the CCCS. He was shocked, and hurt, but we are still VERY much together, and focussing on me sorting out my mess and hopefully declaring myself BR in 2 weeks time, and moving on with our lives as a family with our 2 children. He was hurt and shocked - but its gone on behind his back a lot longer than it probably has for your girlfriend - since before our marriage 10 years ago.
I couldnt work out how to begin with starting the conversation, but I knew I had to do it.
Take care of yourself and talk to her.
Thinking of you
x'Don't judge me 'till you have walked a mile in my shoes'0 -
Dont worry about it, they want you to get the two confused, its part of their marketing stratagy :-)
Which has got them into trouble with the OFT.
insolvencyhelpline.co.uk - Warning and requirements imposed by OFTFree/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
very interestingHi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.0
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