May's 2013 BR Club

22bear

Hello everyone! 2nd of May for me, 9.30am..

buzby999

Hi Bear. How are you feeling? What preparation have you done so far? Welcome!:beer:

IF

22bear wrote: »

Hello everyone! 2nd of May for me, 9.30am..

Hiya 22bear and welcome to May's BR Club, I've added your name to post 1 :beer:
Best wishes
IF...x

22bear

buzby999 wrote: »

Hi Bear. How are you feeling? What preparation have you done so far? Welcome!:beer:

Hi Buzby! I'm feeling ok about it..My road to bankruptcy next week actually started 5 years ago and that's when I first saw this site and started looking at it everyday since..it taught me everything I know!! :rotfl:

So yeah, I know what to expect and everything..my main creditor is HMRC, owing them tax for 2007/2008 from when I was self employed up until I had a sudden long term illness crisis (a major stroke) that forced me to give up work in the snap of a finger back in April 2008...I recovered well but didn't start working again until 2011 and was waiting for them to make me bankrupt but it never seemed to happen..surprisingly I had very little contact with them about the debt until out of the blue, they got a CCJ against me for the amount in Oct last year for the amount outstanding then a couple of weeks ago I got a call from them telling me that they had no intention of making me bankrupt because I was employed and now paying tax PAYE..instead they intended to get an Attachment of Earnings which with the amount I owe, would mean paying it back for the rest of my working life and well beyond into my retirement..not a realistic option, so next Thursday I'm taking matters into my own hands and doing the deed myself so I can finally make a fresh start without it hanging over my head!

I'm not particularly looking forward to living with an IPA for the next 3 years, so I'm a bit worried about that...but hey, I'll live and it's a small price to pay for future peace of mind!

Good luck to everyone else in the May club!

22bear

ifwisheswerehorses... wrote: »

Hiya 22bear and welcome to May's BR Club, I've added your name to post 1 :beer:
Best wishes
IF...x

aww, thanks IF!! x

buzby999

You certainly have no choice there then bear. I hope all this really does bring a fresh start for us all. I have concerns over soa allowances and affording an ipa, if i get one, too. Hence, me avoiding the paperwork...

22bear

buzby999 wrote: »

You certainly have no choice there then bear. I hope all this really does bring a fresh start for us all. I have concerns over soa allowances and affording an ipa, if i get one, too. Hence, me avoiding the paperwork...

LOL! Yep, me too!! I'm spending this weekend filling in the forms...I'm expecting a hefty IPA but I'm certainly prepared to fight tooth and nail to make sure my allowances are truly reasonable for the 3 years and not just the very basic, I don't want to find myself struggling and having to live on rice and beans on toast for the period...let's just hope we both get an understanding and fair OR!!

Suggi

My day in court is 3rd May. I was originally down for a day in April and am a member of the April group but I had to cancel due to not having enough money to pay for my BR. I can feel the stress levels trying to rise again but I am trying to stay positive. Since the 15th of April when I didnt pay any of my creditors I have today received a total of 67 telephone calls from my creditors, my mobile is on silent as there is nothing I can tell them as I am living on £30 a week after paying my priority debts/bills. Many of them are payday loans and their persistence is astonishing!! Hopefully by Friday I will be able to exhale again as debt has become such a big part of my life and seems to be all I think/talk about. I told friends that I wont have anything to moan about after Friday, it will be like coming out of prison and although I'll be broke I might finally get a good nights sleep after 7 years of hell!!

IF

Suggi wrote: »

My day in court is 3rd May. I was originally down for a day in April and am a member of the April group but I had to cancel due to not having enough money to pay for my BR. I can feel the stress levels trying to rise again but I am trying to stay positive. Since the 15th of April when I didnt pay any of my creditors I have today received a total of 67 telephone calls from my creditors, my mobile is on silent as there is nothing I can tell them as I am living on £30 a week after paying my priority debts/bills. Many of them are payday loans and their persistence is astonishing!! Hopefully by Friday I will be able to exhale again as debt has become such a big part of my life and seems to be all I think/talk about. I told friends that I wont have anything to moan about after Friday, it will be like coming out of prison and although I'll be broke I might finally get a good nights sleep after 7 years of hell!!

I've added you to May's BR Club :beer:

IF

:staradmin Hi Everyone and Welcome to the May's 2013 Bankruptcy Club :staradmin

This club is for everyone who has gone or going through the process of Bankruptcy during May 2013. So please feel free to join and post.

Pop your name on here, the date that you went/are going Bankrupt. Then just keep everyone in the club updated throughout the next year about your BR journey. That way you can all stick together, compare notes and be there to support each other during the different stages of your Bankruptcies.

Remember this is your board so keep posting :hello:

Obviously anyone can come on here and post anything that will help and you are all welcome. Any important questions that need answering please still post them on the main board, as you will receive more advice and help.

~ Please do not include too much information as the IS (Insolvency Service) are known to frequent this forum and they may identify individual cases, so username and date only, thank you ~

IF...x