Finally Going Bankrupt

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Hi All

It's been a long time since I've posted on these boards as me and my partner decided back then (about 4 years ago) to try and fight our debts with a DMP. Due to a rather disastrous 12 months (my wife's freelance earnings declined dramatically and also we got served a section 21 notice and had to move house unexpectedly). As a result we've made the decision that now is the time when both of us need to go bankrupt.

As a result I have a couple of questions:-
I remember there being a website that helps produce an SOA, can someone give me the link please?

When producing the SOA for my wife, how many months worth of self-employment profit should I use to create an average monthly earning?

While on the DMP we were able to get a car on a hire purchase agreement, what normally happens in the cases? We are in arrears with regards to payments however.

Am I best creating a joint SOA or does it have to individual with the outgoings split between the 2? If split it would end up being approx 66% me and 33% my wife with very few individual bills.

Our joint account is a Nationwide Flex Basic and I am hoping to keep it post bankruptcy, is this likely? There are no debts connected to the account or Nationwide.

Thanks

TheGardener

Here is the link
http://www.stoozing.com/soa.php
The stoozing website seems to come and go at the moment but it's working this morning...
I'd aim for at least 12 months to work out the average unless there has been a specific event within the past 12 months that would distort the average and make it too high.
Cars usually fall into the BR - most often because the credit provider will cancel the agreement anyway. Any outstanding debt will be covered by the BR.
BR is individual so you will probably need to do an SOA each.
Nationwide are usually ok with BR's but I'd open a basic somewhere else as well - Barclays maybe - as a back up. In this day and age of IT outages - I think everyone should have more than 1 bank account anyway.