Advice needed pls

Nomoredebtnow

Hi, need some help 

I am currently on universal credit do they give discount on the bankrupt fee. I get child benefit and carers allowance  for my daughter who is under 16 will it count my husbands 1000 monthly income .
Also this will be my second time I file for bankruptcy will it make a difference when I filed over 10 years ago. I Suffer with anxiety and on meds. Is it face to face interview or do I go to court.
T I A 

luvchocolate

There is no help with the fees...save the money you have when stop paying your debts. 
Most interviews are now by phone 

Minkym00

Your 10 year old bankruptcy will have no bearing on this one, don’t worry. You will definitely not have a face to face interview, all are being carried out by phone at the moment.

sourcrates

The requirement to go to court was removed some years ago.

Everything is been done remotely just now, escpecially as we move into another lock down.

The fee is £680, and can be paid in installments, there is no remmision, and nothing happens till the full fee is paid.

Grumpelstiltskin

One thought, what's your total debt?

Nomoredebtnow

Grumpelstiltskin said:

One thought, what's your total debt?

Think total  about 35 to 40 K , is it any affect on his cars , both on my husband name , one on pcp , another on his finance may be got 1 to 2k equity

flipflopflo

No they belong to your husband and are not your assets. 

Please stop panicking and stop and breath. It’s just money and you can’t go to prison for being in debt.  Give someone like National Debtline a ring tomorrow and go through everything with them and they’ll help you. 

https://www.nationaldebtline.org/

Nomoredebtnow

Sorry if I have asked too much. I do have one more questions What documents do you need before I proceed and do you need the owed money figure.

My hubby has 2k in his account  which is my sons uni loan. Is it better to transfer into my sons account thank again 

flipflopflo

Sweetie, you haven’t asked too much at all. I know this is very frightening and worrying and the wonderful people on this board will try and help you through your journey and answer as best we can but one of the things we ask you do as well for your own peace of mind and ours is take free, professional advice from one of the debt charities. They can look at your complete circumstances and take personal details that we can’t to help you. 

You don’t need any paperwork if you don’t have it. Just as much detail of the debt as you can possibly give. If the OR wants paperwork you don’t have s/he can get it from the source. 

I take it the account is in your your husband’s name and not joint so the OR won’t be interested in it at all. It’s his account and he’s not going BR, you are, so it’s your accounts he is interested in. If you have any joint accounts then take your name off them so he is not linked to you and his credit file  is not affected before you go BR. 

Nomoredebtnow

Just read some post here ,  a question ask own the car , because both car in my husband car , l put 0 or 2 ? 
When ask loan or credit card owned how much , do l put myself n no need put my husband , also l still need to put down how much patrol , car insurance?? Sorry for so many question  

flipflopflo

You don’t own a car so the answer is 0
You can put car expenses in if you use it as long as they are reasonable because he lends it to you to use. Just out of interest what’s the bus service like? Do you work? What sort of things do you use the car for?
You put your debts on the form not your husband’s debts, he’s not going BR. If any are joint debts then you put them down but he will then be liable for the full debt.