Possible Imminent Bankruptcy – Please Help

nrsql

First thing tomorow look at https://www.jobserve.com and ring some agents.
Put your cv on https://www.monster.co.uk (will take a bit longer to be noticed).

If your skills are technical and you have a lot of experience in a few areas rather than little experience in many areas then depending on where you are willing to work and the rate you are willing to accept then you should be able to find somethig starting the following week.
You will be given a technical interview (maybe in person maybe by phone) so be honest about what you can do - no one expects an exact fit and they will want you to say when you don't know something. Don't be atracted by long term contracts as you can be terminated at any time - it just means you don't get the chance to negotiate a renewal, very bad if you've taken a low rate to ge the contract.
You will also need to explain what you have been doing since you left the last job. "Couldn't find another job doesn't sound good".

muddy697

i believe that the official receiver can look back 12 months into swapping over items such as cars into other people's names. I'm not a 100% sure on this but they can certainly go back 5 years on items such as property. Whether they check cars so stringently in reality, I guess is down the individual involved.

scheming_gypsy

nigelgellings wrote:

I am finding it very hard to gain permanent employment despite having a strong C.V.

might also be worth having 2 CV's, one being not as strong. You could be losing out on work by being over qualified. If you tone it down a bit you'll give yourself a better chance of finding work.

tonyg_2

nrsql wrote:

First thing tomorow look at https://www.jobserve.com and ring some agents.
Put your cv on https://www.monster.co.uk (will take a bit longer to be noticed).

If your skills are technical and you have a lot of experience in a few areas rather than little experience in many areas then depending on where you are willing to work and the rate you are willing to accept then you should be able to find somethig starting the following week.
You will be given a technical interview (maybe in person maybe by phone) so be honest about what you can do - no one expects an exact fit and they will want you to say when you don't know something. Don't be atracted by long term contracts as you can be terminated at any time - it just means you don't get the chance to negotiate a renewal, very bad if you've taken a low rate to ge the contract.
You will also need to explain what you have been doing since you left the last job. "Couldn't find another job doesn't sound good".

Things are not always quite asy in my opinion. I have some very strong IT skills and some very good qualifications - but have been looking for quite a while without success. I only say this - not to frighten the initial poster - but for them not to be despondent if it takes a little longer than indicated.
Tx

nrsql

Depends a bit on the skills but more on what you are willing to do. I've never looked for more than a couple of days without getting offers - but then I get offers when I'm not looking too.
Just make sure your core skills are marketable and make sure you know everything to do with that technology. Everything else is a sideline (which you may have to rely on if the core technologies become redundant) which might help but probably won't be a deciding factor.
If you are an expert in a field then it shouldn't take long.
Maybe your skills aren't as strong as you think or not very marketable. Qualifications don't count for much in the contract market - apart from maybe a junior (low paid) ifrastructure job.

scheming_gypsy

nrsql wrote:

Qualifications don't count for much in the contract market - apart from maybe a junior (low paid) ifrastructure job.

they don't count a great deal in the 'employed' market either. Most companies need / want people who have a first hand experience rather than a qualification. My last 2 jobs were up against people armed with MCSE's and i got the jobs because when they asked the technical questions i'd dealt with situations and gave the hands on approach rather than the 'from the book' answer.

nrsql

Is getting off topic but mcse or such used to be a guarantee that the person couldn't do the job otherwise why would they bother getting the mcse.
Not so clear cut now as companies put people through the exams to get and keep ms status and also ms have given free exams vouchers to people they want to be qualified to try and enhance the exam status - but I always ask why when I interview.

burbs_2

I run a security firm and this includes a debt collection service where my collecters are despatched to recoup money or goods. I can say that if you were to change anything out of your name into anyones name at this time then you would be asked to prove that it was an official sale and if you cant then they would still pursue the item.

Example - if you change the car from your name into your parents they would ask you why you did this. If you cannot prove that you have recieved a payment for this vehicle off your parents on or around the date that this vehicle was "sold" then this would be classed as avoiding your debt and they would attempt to seize the vehicle regardless.

I must admit though most of the people that my agents have been to who have encountered this problem have always been greeted with the same response. When they ask where the money for the car is the debtor states they gave the car to the parents as payment for the debts they owe to the parents. This could be one option for you.

HappyHelen_2

Debt_Free_Chick wrote:

Just to answer each question, as you raised it....

But it's simply your contribution towards repaying your debts. And it only lasts as long as your bankruptcy e.g. 12 months.

HTH

This jumped out at me.. my partner went bankrupt 6 months ago and we thought this to, but while he is only officailly 'bankrupt' for 1 yr, the payments to the Official Receiver will last for 3 years. Saying that though, he is significantly better off paying this one payment rather than the many he was trying to make every month, and his mental well being/ lack of stress is worth the bankruptcy process. hope this helps

Debt_Free_Chick

HappyHelen wrote:

This jumped out at me.. my partner went bankrupt 6 months ago and we thought this to, but while he is only officailly 'bankrupt' for 1 yr, the payments to the Official Receiver will last for 3 years. Saying that though, he is significantly better off paying this one payment rather than the many he was trying to make every month, and his mental well being/ lack of stress is worth the bankruptcy process. hope this helps

Yes, this can happen. Usually because the OR believes you have plenty of money left after your normal living expenses. If so, you can be asked to sign-up to a voluntary Income Payments arrangement which, under the Enterprise Act, can last for up to 3 years. Or, if you don't sign the voluntary agreement, the OR can go to the Court and ask for an Income Payments Order.

Difficult to predict in advance, what will happen, as it depends on income & normal living expenses. And "normal" living expenses cannot be excessive e.g. you cannot claim you need £1,000 a month for food!