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OR worries...please help!

nic13
nic13 Posts: 15 Forumite
in Bankruptcy & living with it
Hi
My husband and I will be filing our BR next week and are getting very stressed about it. In the past when I have posted on here you guys have been so supportive and helpful I just wondered if you would mind a few more questions!!!
  • how often does the OR visit your home?
  • Do they let you know when they are coming or just turn up?
  • Is it all as terrifying as it seems at the moment?!
Cheers for any help

Nic :eek:

Comments

  • user55
    user55 Posts: 345 Forumite
    1: Never
    2: they don't come.
    3: No.

    If I could convey to you how much nicer life is just a mere few weeks post bankruptcy, you'd lose those fears. No fear of post or phone. If you spend money it's because you've got it and can therefore afford it. Bliss.
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    user55 wrote: »
    1: Never
    2: they don't come.
    3: No.

    If I could convey to you how much nicer life is just a mere few weeks post bankruptcy, you'd lose those fears. No fear of post or phone. If you spend money it's because you've got it and can therefore afford it. Bliss.

    I totally agree! :D
    We all die. The goal isn't to live forever, the goal is to create something that will
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    user55 wrote: »
    1: Never
    2: they don't come.
    3: No.

    If I could convey to you how much nicer life is just a mere few weeks post bankruptcy, you'd lose those fears. No fear of post or phone. If you spend money it's because you've got it and can therefore afford it. Bliss.

    I agree as well.:D

    Don't get stressed. Come and ask us. :)
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    nic13 wrote: »
    • how often does the OR visit your home?
    • Do they let you know when they are coming or just turn up?
    • Is it all as terrifying as it seems at the moment?!
    Cheers for any help

    Nic :eek:

    Just to agree with the others - you won't get any visits, and, eventually, even the creditors will stop harassing you.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • kerryboo
    kerryboo Posts: 97 Forumite
    i agree too, everything stopped when i went bankrupt its quite strange it being so quiet no telephone calls and letters wise.....
    :o BR 7th June 2007 at 10.10am and feeling great
    OR Interview done - Early Discharge 17th December 2007 :o:j :j :j
    :p2007 Comping Challenge - Started July 2007
    Need to Win £215.88 / Won so Far £56.50:p
    :j Bebivita baby food £2.50 - 2x football tickets £54.00:j
  • joathome
    joathome Posts: 75 Forumite
    I agree too feels very strange to not being afraid of the postman or the phone ringing
    x
  • Broken_hearted
    Broken_hearted Posts: 9,553 Forumite
    joathome wrote: »
    I agree too feels very strange to not being afraid of the postman or the phone ringing
    x
    You should never be afraid in your own home. The phone can be unplugged or number changed if it gets too bad.
    Barclaycard 3800

    Nothing to do but hibernate till spring
  • winnie81
    winnie81 Posts: 887 Forumite
    If any creditors do keep hassling you its satisfying to give them your OR's details and tell them to bother them instead lol

    Don't worry its fine and not as scary as you imagine ;)
    Wife to a great husband and mum to 4 fantastic kids 9,8,4,3 they drive me mad but I would do anything and give everything for my family :grinheart
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