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Online BR and interview
Arnold03
Posts: 36 Forumite
Hello,
I understand I can now declare bankruptcy online. A couple of questions I have the fee, do I advise any creditors immediately that I have filed for bankruptcy? Or do I wait until it is declared.
May I just ask, once applied online and paid the fee, am I informed by post of when it is declared I understand I will get a number or certificate?
Does the OR interview take place over the phone? (I have serious anxiety issues and very rarely leave the house)
I have no assets, I rent, one of the debts is hmrc from personal tax from an closed business where I was a partner. About 7k. The other 8k is old credit card debt which I have been paying via a DMP for about 11 years, should have gone bankrupt then. The time is now for a clean slate. Today a knock at the door from a debt that has gone to high court for 3k the guy at door was pleasant, I was surprised as thought this was being paid to Mars tons at fifty a month but it hasn’t been paid for the last three months, I said to the guy can he give me 10 days to pay the debt he made a note and said this would be fine, but I think now is the time to file BR.
SO if I file in next couple of days do I let the guy/marstons know as I don’t want them to knock at the door in ten days. Or do I stall and ask for 4 weeks and hope theBR is through by then?
Thank you in advance.
I understand I can now declare bankruptcy online. A couple of questions I have the fee, do I advise any creditors immediately that I have filed for bankruptcy? Or do I wait until it is declared.
May I just ask, once applied online and paid the fee, am I informed by post of when it is declared I understand I will get a number or certificate?
Does the OR interview take place over the phone? (I have serious anxiety issues and very rarely leave the house)
I have no assets, I rent, one of the debts is hmrc from personal tax from an closed business where I was a partner. About 7k. The other 8k is old credit card debt which I have been paying via a DMP for about 11 years, should have gone bankrupt then. The time is now for a clean slate. Today a knock at the door from a debt that has gone to high court for 3k the guy at door was pleasant, I was surprised as thought this was being paid to Mars tons at fifty a month but it hasn’t been paid for the last three months, I said to the guy can he give me 10 days to pay the debt he made a note and said this would be fine, but I think now is the time to file BR.
SO if I file in next couple of days do I let the guy/marstons know as I don’t want them to knock at the door in ten days. Or do I stall and ask for 4 weeks and hope theBR is through by then?
Thank you in advance.
0
Comments
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Hi,
Everything to do with Bankruptcy is now done either online, by phone, and by post, there is no longer a requirement to appear in court at all.
You submit your application online, pay the fee (currently £680) the adjudicator will contact you within 28 days to inform you of there decision, its normally quite straightforward, unless your case is more complex, it will be approved fairly quickly.
OR interview is done over the phone yes, i would wait till conformation the bankruptcy has been granted before telling creditors anything.
Some info here :
https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/bankruptcy-2/how-to-go-bankrupt/timeline-for-bankruptcy/I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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