Advice re discharge and IPA

Bogart

Hi all

I was declared bankrupt on 20/01/11 and have just checked the insolvency register to see my discharge went through on 20/01/12.

At no point during my period of bankruptcy have I been contacted by the OR to complete an SOA (other than the initial bankruptcy paperwork) and, as a result, there has never been any IPA or IPO in effect for my bankruptcy. In fact since I was declared bankrupt I haven't been asked to pay one single penny towards my creditors.

Is it still possible or likely for them to contact me now that I am discharged to set up any sort of payment plan or can I start to relax?

TIA.

Ineedaname

Congratulations. :j

That's it, although you still have to cooperate if you are contacted, there is no possibility of you having an IPA set up now you are discharged.

Pop back on the IS website and print off a couple of copies of your full record as proof of discharge, wait a couple of months and then start your CRA clean up.

Bogart

Wow, that's amazing.

I've spent the last twelve months worrying about how I would cope when they contacted me to squeeze money out of an already stretched household budget and now I can stop worrying? I think I'm a bit overwhelmed. I can't quite get my head around it.

Thanks for the confirmation :rotfl: