Day zero

Willc

Well today is the day I declare myself bankrupt.

It's a very strange feeling even though my wife and I have discussed and planned it for over a year now.

Hopefully this is the bottom of the valley and things can only get better from here on in.

I'll update this thread with my experiences.

fermi

Good luck for today, although you won't need it.

Please let us know how it goes.

Willc

Well I did it.

My appointment at court was at 10 and I was all done by 12:30. Most of the time was spent waiting around. It took about 15 minutes to have my forms checked over and pay the fees then I had to go away and come back for my appointment with the judge at 12. The meeting was delayed a bit and lasted less than 3 minutes.

Everyone was very understanding and not at all judgemental. The judge asked me if I had exhausted all other options and when I explained briefly about my decision process he agreed based on what I said and the info on my forms that BR was the right option. He was very understanding and personable. He even explained the implications in a positive light.

I was super nervous about the whole thing but there was no need to get worked up about the court appointment. It was fine.

I can now start looking forward in my life. I can answer the phone and open my post without worrying.

snackbar

Willc wrote: »

Well I did it.

My appointment at court was at 10 and I was all done by 12:30. Most of the time was spent waiting around. It took about 15 minutes to have my forms checked over and pay the fees then I had to go away and come back for my appointment with the judge at 12. The meeting was delayed a bit and lasted less than 3 minutes.

Everyone was very understanding and not at all judgemental. The judge asked me if I had exhausted all other options and when I explained briefly about my decision process he agreed based on what I said and the info on my forms that BR was the right option. He was very understanding and personable. He even explained the implications in a positive light.

I was super nervous about the whole thing but there was no need to get worked up about the court appointment. It was fine.

I can now start looking forward in my life. I can answer the phone and open my post without worrying.

Glad it went ok for you

Mine is tomorrow the nerves are kicking in, going to get up very early and hopefully arrive first thing to get it out the way. I feel like i have an interview or something, very strange feeling.

Willc

I was the same but seriously, it was fine. It was private and at no point was I treat like a criminal or a failure.

Good luck

Let us know on here how it went