Welcome to the Bankruptcy Board - Part 2

IF

Morning from me too

dojoman

Good morning folks

IF

Hiya all

Mollie_Guinness15

I'd like to thank all the posters of sound advice on this forum.
My experience of the process was made easier by the articles on here and I'd like to add my experience to hopefully ease other people's fears and worries.

Court: this took less than 40 minutes from being seen by the clerk to leaving the court with that all important bit of paper. No one judges you, it's a bit like waiting for a prescription at the chemists.

OR interview: this was conducted over the phone and took a little less than 25 minutes, the official receiver was extremely affable but to the point. They are going to email me if they consider an IPA appropriate.

That's it. I keep my 10 year old Astra and can now move on.

Overall it's a massive weight off my mind (and my wife's) and if you're struggling with large debts it is well worth considering.

dojoman

Morning folks

IF

Morning all

rdw06 wrote: »

I'd like to thank all the posters of sound advice on this forum.
My experience of the process was made easier by the articles on here and I'd like to add my experience to hopefully ease other people's fears and worries.

Court: this took less than 40 minutes from being seen by the clerk to leaving the court with that all important bit of paper. No one judges you, it's a bit like waiting for a prescription at the chemists.

OR interview: this was conducted over the phone and took a little less than 25 minutes, the official receiver was extremely affable but to the point. They are going to email me if they consider an IPA appropriate.

That's it. I keep my 10 year old Astra and can now move on.

Overall it's a massive weight off my mind (and my wife's) and if you're struggling with large debts it is well worth considering.

I'm so pleased for you both rdw06, here's to your new start :beer:
Best wishes
IF

dojoman

Morning everyone

Hope everything is ok SS, missing you on here

IF

Morning all

dojoman wrote: »

Hope everything is ok SS, missing you on here

I miss you too spoon :A

dojoman

Morning

dojoman

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 MSE usually signifies hyperlinks, click on the blue links below *

Please do read these threads and other threads on the BR Board, remember knowledge is power :beer:

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

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

BR Abbreviations

Beware of advice via PM.

Assorted letters to creditors

Reasons for your BR - 6.28

Charities who help with BR Fees

BR friendly home insurance thread

CABmoney Bankruptcy Payment Order Calculator

The IS Official Guide to Bankruptcy

Bankruptcy NDL Guide

Basic Bankruptcy Advice & Guide NED CAB

Diary of a broken gambler

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