Bankruptcy

uglysmithy80

Hello Everyone,


Can i pick peoples brains...

I lost my job in Feb which caused me to miss payments and get further into debt. I just got a job which my basic is £675 take home but once i start getting commission i think it probably be around £1350 PM. I have out goings of

Rent to my parents £300
Council tax £35
£250 i pay for my daughter which is a mutual agreement between us.
Mobile phone £50 per month
Petrol to get to work £175
Food for month £175
Lunch Money £96 (4 pound a day x 6 x 4 weeks)
Contact lenses £15 a month
holiday fund £50
Dry cleaning £25 suit for work
toiletries £75
Hair cut £22
Cloths £60

This is what i have worked out i pay out every month. Would they class the above as reasonable expenditure ?

It Means i would just about make what i pay out each month..

Does the OR have the option not to put a IPA on my wages? if he does not can he put one on after 12 months once discharged ?

really am stuck .

Kind Regards
Andrew

JCS1

First thought is that groceries, toiletries and lunch at work should be about £200 all together rather than £346. But, do you have your daughter over to stay?

Can you re-do your SOA in this format please, as it's easier to see what's missing then.

http://www.makesenseofcards.com/soacalc.html

mel12

Does the OR have the option not to put a IPA on my wages? if he does not can he put one on after 12 months once discharged ?

Not everyone gets an IPA, if you don't have more than £20 surplus any time before you're discharged then you won't get one

Ineedaname

You will only be able to buy lunch if you can afford it within your groceries allowance, otherwise it's a packed lunch for a year!

I should think contact lenses would have to be included in groceries too, anyone clarify?

tigerfeet2006

You have no car costs MOT, tax etc. Is the maintenance you pay in line with CSA payments? Do you have your child stay at all? Clothes £40. Hair cut £10. Housekeeping £200.

Please can you fill out the template that JCS has linked to, just to make it easier for us.