A big hello from the CCCS

CCCS_Matthew

Hi there everyone,

My name is CCCS_Matthew and I work as a Debt Counsellor for the debt advice charity Consumer Credit Counselling Service. Many of you on here will probably be already aware who we are and the services we provide, but I thought I would take this opportunity to introduce ourselves.

CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide. We take great pride in offering first class help and advice. While we are aware that there are already many people here that give good debt advice, my colleague CCCS_Emily and I, aim to be a welcome addition to the site by giving professional debt advice.

We will try and provide as much advice as possible on this forum, however in some cases it maybe beneficial for you to get in contact with CCCS directly, so we can give you more detailed advice. Feel free to take a look at our website www.cccs.co.uk; otherwise Emily and Iare happy to answer any queries.

fermi

Hi, and welcome to "Bankruptcy and Living With It".:j

As you can see from my signature, CCCS is one of the free charitable advice organisations that many of the regulars on here recommend speaking to before any decision to go bankrupt is made.

Because of this it is fantastic to know that someone from CCCS will be from time to time keeping an eye on and posting on this forum.

Again, you and your colleagues are very very welcome.

RAS

Hi

Can you help here?

http://forums.moneysavingexpert.com/showthread.html?t=498060

Richard_S

Hi Matthew & Emily,

It's great to see you join this Board, we've had a lot of differing experiences between us but there are areas where we're a little short of factual information; it's a pity you didn't join earlier.:beer:

Just in case you're a pair of bankrupts and you're too embarrassed to admit it then I'd suggest the following:

Your first port of call should be to contact one of the Debt Charities; see links below. Their services are free; they have no vested interest to serve; their advisors are professionally trained and the advice they give will be objective and in your best interests only. CCCS operate a system of telephone appointments that are designed to be flexible and don’t require you to attend an office based interview. At the CAB you will need to make an appointment with a specialist Financial Advisor; other advisors may not have the specialist knowledge you’ll need.

http://www.cccs.co.uk/

http://www.nationaldebtline.co.uk/

http://www.citizensadvice.org.uk/index.htm

If you’re advised that bankruptcy is the most suitable solution to your financial problems then we can offer the best support and anecdotal advice that you’ll find anywhere on the Web.

For more specific advice and support, in an environment that is managed by people with first hand experience of bankruptcy, and moderated to ensure that no deliberately inflammatory or abusive posts are made then please visit:

http://bankruptcysupportersclub.co.uk/default.aspx

Just remember, as desperate as you may feel at the moment, we have all experienced what you are going through at the moment and with the right support and advice things will improve. It’s not an easy route to take but it is a route that will put you back in control of your life rather than just reacting to events.


Kind regards


Richard

"Neko, where are you"?

NekoZombie

I'm here, and I'm doing double-takes like crazy!

betterlatethannever

Hi Matthew and Emily.
Welcome to BR board. You'll be hearing a lot from me over the coming months, mostly dumb questions, but hey, someone has to ask them.
Look forward to your valuable input.

beckiem

hello everyone
i went through the cccs site today downloaded it and printed out the 22:eek: pages of it .ive been reading through and it suggest to go bankrupt i would be very willing to do this but a couple of questions
how much will it cost?
is the paperwork easy enough?
will they take my car i dont technically need it ,its for social and midnight trips to the hospital for my 2 yr old?
i think that was it

CCCS_Matthew

Hi Beckiem

The cost of bankruptcy is normally £485, but if you are on benefits or have a particularly low income you may only have to pay £350. The forms are fairly straight forward although they are quite lengthy. If you need any help in any areas we can always arrange to give you a call and help you fill in the blanks.

As for the car, how much would it be worth? Generally any car worth over and above £1000 and it can be considered an asset and therefore included within your bankrutpcy but it is ultimately up to the official reciver.

Hope this helps, any more questions and give me a shout or if you want to discuss things in more detail you will have a number to call on the paperwork

Good luck
CCCS

beckiem

i only get cars for £500 thats all i can ever afford and thats at a stretch ild love one for £1000 my partner was worried it could affect getting a mortgage in a few years

Posthinking

In my experience, the OR won't even bother with the car but unless you can demonstrate a real need for it, I doubt whether you'll be allowed anything for its upkeep. The bit about your daughter might swing it your way. As for mortgages, you may need a larger deposit than normal and pay a couple of points over the base rate for a couple of years, but I got one and I've only been discharged for 3 months

tigerfeet2006

Hi Matthew and Emily. Thanks for joining the boad to offer your help to us. It's great to have you on board.

Fermi I love your new signiture. Makes life so much easier.

Richard your new standars reply is excellent. Will probably nick that a few times myself :-)