Change of address after discharge date

Jamtoe

Hi,
I am currently going through my first year of bankruptcy (discharged in November) I have an IPO for three years. During the build up and through it I met someone who wants me to move in with her, she knows my situation and owns her own home. I am worried that she could become liable and that my ipo would change. Does anyone know if after my discharge date in November this would be the case or do I just continue with my ipo?

TheGardener

You will need to let the OR know your new address for communication purposes anyway.
Your new partner will absolutely not be liable for any of your IPA. However, if in moving in with them your financial circumstances change (no longer paying rent, gas, electricity etc) then you may need to complete a new SOA for the OR so they can determine if your IPA needs to be adjusted. This may mean the OR will want to know a bit about your partners financial circumstances so they can work out how much of the domestic expenditure you are liable for.

tigerfeet2006

Do you mean an IPO or a IPA? An IPO is court ordered and an IPA is an agreement with your OR.

They both last 36 months from the first payment so you will have to carry on until that last payment. You have a legal obligation to tell your OR of any change in circumstance, this was in the papers you signed and you must inform them with in 21 days.

When you move in with your partner then you must produce a new SoA for your OR. You put down all the outgoings to run the household, your income and your partners contribution to the household bills. This does not have to be her full income but if it is less than 50% contribution to the bills then your OR can ask what her income is so he can see if it is fair. If she doesn't want to give it then he can assume she will pay 50% and your contribution is 50% and what is left will go to your OR.

If you want to put up your SoA then some one can check it for you.