Looking for support and advice not judgement here

NeverAgain_2

...After BR (only 2 months ago) I feel very 'in order' for the 1st time in my life...

I'm pleased to hear that.

You know better than I there are many downsides to bankruptcy, but one massive upside is the clean start.

That's what I can't quite fathom with the OP.

He's bankrupt, yet his affairs still seem to be in a shambles.

alastairq

That's what I can't quite fathom with the OP.

He's bankrupt, yet his affairs still seem to be in a shambles.

I agree....this thread really is descending into chaos.


I asked if, the OP petitioned for their own bankruptcy?

Or whether the OP was 'made bankrupt' by an external creditor?

[The latter may explain the existing chaos, as it may be likely the OP was entirely unprepared for this situation??]

The bottom line is I am now bankrupt - was made bankrupt back in February -

...from the OP's first post.

However, it does occur to me that there are some inconsistencies in the explanation of affairs?


The use of cheques, for example?

[writing out a cheque for goods, knowing that there are insufficient funds within the account to meet that cheque, may well be a criminal offence? However, I understand the concept of silencing the creditor with the bit of paper!]

Perhaps the 'bankruptcy' is in fact simply the OP's perception of the 'financial mess?'

Where is the consultation with an independent debt advisor?

Others have questioned the Receiver's input, especially regarding the SOA?

Until we receive an answer to these basic questions, we cannot hope to help the OP, since no-one really knows from what standpoint to commence offering advice.

greytdog_2

just s few thoughts - your wife needs to get a job whatever it is, many people hold out for a job similar to their last as other options are beneith them or not what they think they are too good for x job. With the issues you have she needs to get one whatever.

What sort of premises do you rent? Can you downsize? You only need a 1 bed place really. Could you find one nearer your step sons home?

I cant see why/how you have been allowed a car on rental, if its for your wifes sons transport then it is up to her to pay for it, harsh i know. Perhaps she could use the bus/train etc and go with him on the journey if your not happy for him to travel alone, after at the moment she has time on her hands.

Ultimately you will be the one getting in all sorts of trouble if you are officially bankrupt and still paying people money that was borrowed pre bankrupcy, also you simply cant afford it.

Brankrupcy has a way of making you re assess things, pre mine i would never have gone into netto, aldi, lidl etc and would not have been seen anywhere even near the door of the charity shop but now i think why was i so stupid.

Good luck and i hope you can get your mind round to what you have to do, sometimes it takes a while beleive me.

wok_boy

No one will judge here as per this sticky:

https://forums.moneysavingexpert.com/discussion/443692

Anyone who does will get short shrift.

wok_boy

Gulliver2011 wrote: »

Alas we do get the child benefit that goes to my step sons dad as part of the divorce argreement.

Dreading this week now - £80 a car to pay that we cant afford and a house to put an appication fee in for and dont have the money for any of it.

And £50 cost to get to work for a job that cannot support us. Can anyone tell that I dont sleep well what with being awake since 5

Who is your stepson living with, you or his dad?