Bankruptcy, few questions before I apply

trials

1. I've stupidity been gambling for a short while now, stupid I know. These transactions show on my statements, now some of the debt was used to gamble however majority of it was not, do I still mention the gambling on my application? As I don't want the OR automatically assuming my debts are all down to a gambling addiction and slapping me with a restriction.

2. I've been sending bit's of money to a savings account, sort of a emergency fund, roughly a thousand in there, do I declare this even though I'll be withdrawing this to help support me before submitting the application? I'm worried the OR will want this, even if I do withdraw it before sending the application they'll notice it as there are transactions on my statements showing me sending money to this savings account, so no idea what to do.

phillw

I would personally tell the truth & don't try to hide anything.

And look for a local gamblers anonymous meeting.

Flyright

You have a legal obligation to be honest with the Official Receiver about all aspects of your bankuptcy. The Official Receiver has wide ranging investigative powers and will be obtaining bank statements as a matter of course so there is no point in not disclosing the fact that you have gambled and that you have/had money in a savings account.