Life after being discharged ?

fermi

black-saturn wrote: »

Sorry but it was a sincere question. I'm not having a dig or trolling or hoping to claim victimisation. It just seems to me, not in this thread but in some I've seen that people use BR as an easy way out of the debts and if it gets written off after just 12 months I don't know why more people don't do it. I didn't mean it to sound the way you have all taken it.

In that case then thanks for coming back and explaining. Despite what you may have read, people who can afford to pay towards their debt do not get off scot free after 12 months.

If the BR is earning enough, after reasonable living expenses, an Income Payments Agreement/Order can be put in place. The BR will pay towards their debt to the creditor/s for up to 36 months. With the greatest respect, BR is not an easy option, but is a necessary option when all else fails.

black-saturn

Sorry, I'm not trolling or claiming victimisation again but in that case whats stopping anyone getting into debt and having it written off?

fermi

black-saturn wrote: »

Sorry, I'm not trolling or claiming victimisation again but in that case whats stopping anyone getting into debt and having it written off?

Please read some of the info regarding BR on:

http://www.insolvency.gov.uk/
http://www.insolvencyhelpline.co.uk/
http://www.payplan.com/
http://www.cccs.co.uk/
http://www.nationaldebtline.co.uk/
http://www.adviceguide.org.uk/

If you are genuinely interested then please look at the above links.

allofadither

black-saturn wrote: »

Sorry, I'm not trolling or claiming victimisation again but in that case whats stopping anyone getting into debt and having it written off?

Nothing at all in theory, if you mean do they think about the bankruptcy factor first and then deliberately go and run up loads of debt so it can then be written off. That's a very risky strategy, not one I would expect average joe to adopt.

I suppose there are going to be a few people who have gone bankrupt once and for whatever reason end up in debt again and seek BR a second time. But being BR does mean that it is and should be difficult to get into debt again.

Richard_S

black-saturn wrote: »

Sorry, I'm not trolling or claiming victimisation again but in that case whats stopping anyone getting into debt and having it written off?

Saturn,

The last time you offered your irrelevant unwarranted comments, I had the time to explain why it was a waste of your time and a complete and utter nuisance on this forum. You accepted and promised that we would never again have the benefit of your "advice".

What's changed?

Do you make a habit of breaking your commitments?

Your experience with debt was personal; it has no relevance to others.

Richard