Coming clean, reality check - my way to BR

kepar

But can't you see that realistically raising the money for br is only the beginning of your problems.
If and when you go br, you have to accept that your life and circumstances will change . In some cases it will be for a year, three years and in some cases it could be forever.
Before you go br , you have to have used up all the other options.
Once you go br there is no turning back it will be with you forever.
Your life will take years to get back on track, basic items can become luxuries, having a £300 wreck of a car is great. You get back to basics and have to compromise.
To me you want to go br, but maintain your lifestyle, a difficult thing to do.

Surely if you have only been out of work 3-4 months if and when you find work you could get back on top of your debts.

If you were earning circa £50k have you no savings or other assets you could use or sell, is there any equity in your property??????????

Angiepange

gettingready wrote: »

Thanks for all posts but I really only posted as worried about raising the BR fee...

Ok. All I can advise re BR fees is to have a look at this advice from the North East Derbyshire CAB below and see if you may be able to get assistance with fees. Or its a case of cutting down where ever you can and selling as much as possible to raise the money




For those who have taken proper advice and decided on bankruptcy as the long term option for dealing with their debts, it is often difficult to raise the necessary fees. It is our experience that any delays in raising the fees for bankruptcy can often prolong the stress and suffering for those with overwhelming debts.


For anyone in this position, there are a number of charities and organisations that may help with Bankruptcy costs and fees depending on eligibility. Examples below.

• Severn Trent Trust Fund and other water trusts
• EDF Energy Trust
• Royal British Legion
• Some Trade Unions
  • Trades Union Congress
  • Union Finder from Worksmart
• Turn2Us enables you to search for charities

Please note you will usually need the assistance of a recognised Debt and Money Advice Worker in completing applications relating to the above.

Also, please be aware that any applications to the above may take a number of weeks and are not guaranteed to be sucessful, however we know of many successful applications so it may be worth a try.

Wishing you luck, NEDCAB.

Again good luck.

gettingready

I do not own a house or a car or anything of value - if I say I have debts then obviously I have no savings.

I just hope to get another job sooner rather than later.

Thanks for all the advice.

It is hard, very hard.

kepar

I gathered that , but if and when you go br the OR might be interested in your lifestyle especially as you have nothing of value, they will probably question what you spent all your money on.

Angiepange

gettingready wrote: »

I do not own a house or a car or anything of value - if I say I have debts then obviously I have no savings.

I just hope to get another job sooner rather than later.

Thanks for all the advice.

It is hard, very hard.

It is, and i do feel for you in your situation. Best of luck with the job hunting, try and stay positive if you can, Im sure a job will come up for you sooner rather than later.

elliesmemory1

I know how you feel. It is very hard, but br may not be your best option at the moment. I like you, do not own a house my car is a old banger kept going on a shoestring.
The only advice I can give about the fees is look on the turn to us website.
I know it may sound harsh and cruel but you are coming across as wanting to live as if you are working with a good salary. You are not, you are on the point of br and that means you have to learn to live in a completly differant way. I have my pets but I dont have nights out or new clothes, I think before I spend every penny,every thing is cut back to the bone. Good luck with finding a new job maybe that will be the answer for you. I really would speak to cab or cccs or national deb line asap.
Maybe someone eles has some advice for you but good luck with everything.

gettingready

I do not go out at all, I do not drink, I havent had a holiday in 5 years, my clothes are primark at best and I have 4 inches roots since last time I have seen a hairdresser, I shop at Asda - i do not spend money on myself, never did. I never lived as I should have on my last salary - not for myself anyway.

I will cut whatever I can, I realise that my major expense are my pets.

I already spoke to CCCS and National Debtline, I am looking for work.