Welcome to the Bankruptcy Board

Keeping_Positive

Morning :wave:

Putting my energy into the house at the moment so I don't sit and worry about the BR.
I'm determined to make this a new start not just financial.

Have a great day everyone.

debbidoodles

Hi we are currently in the process of filing for bankruptcy and are going to the county court on Thursday this week, I am now in panic mode, is it wise to complete the forms yourself or sold you get someone to assist you, also I have struggled with the outgoing form for money on working out clothing budget, how long will my bank account freeze for (TSB) and also our disposable income shows at around £200 will the official receiver take all of this as obviously I cant add in for xmas birthdays etc into our budget surely they dont leave you with nothing? What questions are asked when the OR telephones you or asks for a face to face interview?? Help please

solventsoon

Keeping_Positive wrote: »

Morning :wave:

Putting my energy into the house at the moment so I don't sit and worry about the BR.
I'm determined to make this a new start not just financial.

Have a great day everyone.

Good for you KP, sending you lots of positive vibes. You can do this

debbidoodles wrote: »

Hi we are currently in the process of filing for bankruptcy and are going to the county court on Thursday this week, I am now in panic mode, is it wise to complete the forms yourself or sold you get someone to assist you, also I have struggled with the outgoing form for money on working out clothing budget, how long will my bank account freeze for (TSB) and also our disposable income shows at around £200 will the official receiver take all of this as obviously I cant add in for xmas birthdays etc into our budget surely they dont leave you with nothing? What questions are asked when the OR telephones you or asks for a face to face interview?? Help please

Hi debbidoodles and welcome :wave:

You're in the right place for lots of help and advice, there are loads of helpful people here.

It would be best for you to start your own thread by clicking on the "new thread" button at the top left-hand side of the board and put all your questions on there. Everyone will be able to see your post then and can help you with your queries.

There are lots of "stickies" at the top of the board as well, you may find some of your answers there as well.

Good luck and don't panic, I'm sure everyone here will help you to get everything sorted.

Hope that helps a bit.

spoon x

PS: Have a look at the May BR club thread as well, there are lots of newbies there and everyone supports each other

Keeping_Positive

Hello Debbidoodles

I found out lots of information using the stickys and going back over a few older threads although need to be careful with those in case anything out of date. Fill the forms out yourself and use here and stepchange helpline for help.



Good luck

dojoman

Morning SS, I knew you were joking:D just joking back:D

Hope everyone is okay today?

IF

Morning all :hello:


Ever had that Monday feeling!!:D:D:p:p

solventsoon

dojoman wrote: »

Morning SS, I knew you were joking:D just joking back:D

Hope everyone is okay today?

That's good Dojo
All fine here, thank you... well, apart from it being Monday, that is;)

ifwisheswerehorses... wrote: »

Morning all :hello:


Ever had that Monday feeling!!:D:D:p:p

Hi If :wave:
Nice to see you back xx

Love the picture..... that is definitely how I feel this morning!!

IF

solventsoon wrote: »

Nice to see you back xx

Thank you xx :A

IF

Welcome to the Bankruptcy (BR) Board.

Hello and Welcome, Many of the posters on here have been through bankruptcy. They will be able to help, advise and also offer you support. We do have posters who have/do work for the OR and Debt charities too.

Written by Fermi our board guide:-

"Many people find that debt and bankruptcy is the cause or result of a period of great distress and anxiety in their lives. For some this can reach a stage where it is difficult to cope. So I would remind you that The Samaritans are available to help you through your troubles if the emotional side threatens to become overwhelming."
The Samaritans - Click here

Helpful Links and Information.

To post your question go to the top left hand side of BR board, opposite the page numbers and press the "New Thread" button as shown below:

And type in the Title to your thread. If your post doesn’t get answered straight away please don’t lose heart, it’s often due to not being a 100% sure we would be giving the correct answer. If you find your post is not answered and it’s on page 2, please ‘bump’ your post back up the board.

We often ask you to post your SOA so we can see if you have included what you need to:-
MSE SOA Calculator - Click here
Select the MSE format at the end. Copy and paste onto your thread.

* Blue text on this forum usually signifies hyperlinks, click on the blue links below *

For ‘essential’ BR info the ‘Look here first’ sticky by Fermi.

BR friendly home insurance thread

BR Friendly Bank Accounts ~ [Updated Sep 2012 re: Co-op Cashminder withdrawal]

BR Abbreviations

Beth's Guide Reasons for your BR

Charities who help with BR Fees

Bankruptcy NDL Guide

Basic Bankruptcy Advice & Guide NED CAB

IVA & DRO Board

If you are new/old to this board and receive/see a comment that is not helpful or insensitive please don’t let it put you off posting, often these comments are made by people who don’t normally contribute to this board and don’t speak for us.

What to do if you get an insensitive or hurtful comment

IF

Every now and then we have had a number of offensive and insensitive comments made on the BR board.

What do we mean by this?
A person that posts deliberately provocative, nasty or hurtful comments on threads is know as a Troll. They may be a person with no previous connection to the board or someone that has created a pseudonym to get their point made. If you should get such a comment made on any thread you post, please realise this comment is not directed at you personally so please ignore these nasty comments and continue to post here as normal because the majority of us really are a lovely bunch – ooops, modesty! That said there are different writing styles; some brief and some harsh but helpful. If you happen to read them when you are not going through such an emotional time, you may find you are not as offended. So if they have upset you please try not to respond angrily. Most people are simply trying to help.

What should I do if I get a comment made on my thread?
Firstly do not respond to the comment as this is invariably what the troll wants.
So to get rid of the offending post, at the bottom of the post towards the right hand side you’ll see a red "Warning" triangle within a blue “Report” icon, as shown below:

Click the icon and then "send" the message with the posters name which will inform the MSE team, who will then review its content and deal with it as appropriate; sometimes even deleting the Poster by making their status PPR’d (Posting Privileges Removed). Remember, this site is an asset to so many people, especially those that feels like their world is falling in around them. There is a wealth of knowledgeable people here all willing to help, whatever you do, do not let the comments of one silly individual deter you from availing yourself of the knowledge base that is on offer here.

PLEASE DO NOT LEAVE THE FORUM

It is testament to the work that Martin has done and continues to do that so many people give their time, knowledge and experience freely to others; without judgement, to lift people out of the depths of their debt crisis

PLEASE DO NOT LET THE ACTIONS OF THE MINORITY RUIN THAT