taking the leap...

National_Debtline

Hello there,

I'm really glad you found the process pain free. Many of our callers can get incredibly scared about the court hearing, you've reinforced the fact that it is generally a simple process.

I hope the OR interview goes OK, all the very best for the future.

David @ NDL.

IF

struggleville wrote: »

Thanks, sort_me_own_yard_out and woodformoretrees, for the good wishes.

I was made bankrupt yesterday morning at a few minutes past ten - in the end, the entire process was quick and relatively painless (other than handing over that £700). My appointment was for 9.30am; I was called to the counter to sign my forms and pay my fee around 9.40am, then went to sit in another waiting area before seeing a judge. I was called back to see the judge just after 10am and after a brief conversation in which he confirmed that I'd taken professional advice, he adjudged me bankrupt and wished me good luck for the future, and I went out to sit in the first waiting area again while my paperwork was processed. Less that ten minutes later, I was called up to the counter and given a copy of my stamped petition, several official copies of my bankruptcy order, and details of the office of the OR who will be contacting me in due course. I was out the door again by half ten - the entire process took less than an hour, and everyone I encountered was perfectly pleasant, including the judge, who was very straightforward and didn't make me feel as if I was a terrible person at all, which I really, really appreciate.

Now to wait to hear from the OR - and then to get on with my life! It still doesn't quite feel real that I no longer have to dread the arrival of the post, or the ringing of the telephone - but I'm sure it will sink in eventually. Many thanks to all who have given advice and/or good wishes during this process - I am most grateful. x

I'm so pleased all went well struggleville and here's to your new start :beer:

The OR's call is just for the OR to get a feel why you went BR. Before the call just look through your 6.28/SOA so your familiar with what you have said. The OR will just go through your 6.28/SOA with you. Also before the call have a big mug of tea ready or a bottle of water, and while they are writing things down you can have sips of tea/water, so you don't feel you have to fill in the pauses. And if you don’t know the answer to a question just say so. Do have a list with all questions ‘you’ want to ask. Can last anything from half an hour to an hour and a half.


Best wishes
IF

longtermplanner

I'm glad it went ok.

I want to make what probably seems like a very picky comment when you must be feeling very happy and relieved. But your SoA shows that your income is £1810 a month and your expenditure is £1840.

£30 probably feels like neither here nor there when you are setting it against your debt mountain. But it is real amount that you are going to have to find from somewhere, because you can't borrow it any more. (Well your partner could, but that wouldn't be sensible.)

struggleville

longtermplanner, I appreciate your taking time to comment; in the end, however, the SOA as stated in form 6.28 wound up containing slightly different figures than the ones above, so a hypothetical £30 difference is thankfully no longer an issue.