Welcome to the Bankruptcy Board

dojoman

Good morning everyone, hope everyone is fine and well?

dojoman

Bump......................

solventsoon

Afternoon everyone :wave:

Hope you're all well?

Sorry I've been MIA, Dojo, life got a bit hectic, but slowly returning to normal, thank goodness. Hope all's well with you and Mrs D

dojoman

Hi SS, hope everything is okay with you? all fine here thanks:)

solventsoon

dojoman wrote: »

Hi SS, hope everything is okay with you? all fine here thanks:)

Hi Dojo :wave: All fine thanks, life just went a bit pear-shaped :eek: Slowly getting back to normal now, thank goodness!! Glad all's well with you and Mrs D

IF

Evening all :hello:

helpmeplease??? wrote: »

okay to try and write a life story here is impossible but in short my husband was declared bankrupt over 3 years ago he was dicharged over 2 years ago, i have not been declared bankrupt and manage my debts okay, he was declared bankrupt through company going under and is now in stable employment we have not applied as yet but thanks to my parents has a healthy deposit around 25%, is this impossible? he has had no credit since being bankrupt and we are wary of trying as know this can affect you further?
any help appreciated?

dizzybee wrote: »

Hi,
looking for some advice please, sorry if posted in wrong place, i am on a payment plan with step change and every thing is going fine, but due to my low income i can only afford £55 per month to wards my debts, I have worked it out that i will be 85 before i am debt free i am currently 44,having looked at Dro's and Bankruptcy,i am just wondering if this would be better for me i know a lot of people will say pay what you owe and i would love nothing more than to pay my debts off,but having no life is really stressing me out.
I dont want expensive holidays and nights out just a chance to meet with friends every know and again for a coffee and catch up would be great.
thanks for any advice.

Please both start a new thread on the BR main board, you will get more replies and support.

Best wishes
IF

dojoman

Morning all:)
Welcome back IF

IF

Morning all :hello:

dojoman wrote: »

Morning all:)
Welcome back IF

Thank you Dojo :beer:

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.

Beware of advice via PM.

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