One Year Later

yellowbackpack

Hello everyone!

It’s been exactly one year since I was declared bankrupt. It’s hard to believe that it’s been a year since I made out the application and had that terrifying phone call - who knew what kind of year was still to come.

Over the course of the year, I have spoken to the examiner once or twice and that was me contacting them. I didn’t expect the experience to be this streamlined but I’m glad it was and I’m glad to be (hopefully) at the end of it all.

Can anyone tell me how the discharge happens? Will I receive a letter or am I just to assume I’ve been discharged since I haven’t heard anything. 

Grateful for any advice from those that have been discharged.

Thanks.

cymruchris

By the sounds of it your bankruptcy was straightforward and you co-operated - so that should mean it gets automatically discharged after 12 months. You can search here: https://www.insolvencydirect.bis.gov.uk/eiir/ to check your current status. Once discharged - I'd take a screen shot - as you won't get a letter. (It might be useful later) Then you need to ensure all your credit files are recorded appropriately and accurately. Once it's all 'right' - you can work towards getting yourself back to normal slowly but surely.

luvchocolate

Just to add you stay on the Insolvency register for the next three months so remember to print a copy off before. 

george_112

Congratulations on your discharge. Encouraging to hear it was straight forward. I’m 8 months in and look forward to this day.

tommo644

Can I get any advice on do and don’t 
on going bankrupt  any advice much appreciated 

sourcrates

tommo644 said:

Can I get any advice on do and don’t 
on going bankrupt  any advice much appreciated 

Well what is it you want to know ?

There are a endless supply of senario`s where bankrupcy is concerned, can you be more specific ?

tommo644

I am just scared about it all really it’s what to 
write down on the online form and can I get any independent advice from anywhere professional 

luvchocolate

Plenty of help and support from either Stepchange or National Debtline. 
Give them a call. 
Read everything on the I.S website 

Oh and please start a new thread of your own