How do pay my bills with a frozen bank account

Angiedmac

I am in the research stage of considering bankruptcy but I am worried how I will pay my bills when my bank account is frozen.   My current account is a basic one anyway.  Should I apply for a “spare account” before bankruptcy ? Surely that would be frozen too?  I’m confused about the order in which accounts are frozen and new ones are opened ... especially if cannot get an account until I have been discharged.

sourcrates

Who do you bank with, as some banks are less bankruptcy friendly than other`s.

Normally a basic account will not be frozen, as you won`t have any debt with that bank.
You could pre-prepare and keep cash handy to pay bills with, just in case, its all about being well prepared beforehand with these things.

Angiedmac

I’m with Starling Bank.  Will I have to pay cash for everything until I am discharged?

cymruchris

Angiedmac said:

I’m with Starling Bank.  Will I have to pay cash for everything until I am discharged?

No - keep a bit of cash if possible to tide you over - then on the day of your bankruptcy open a basic bank account with someone like Barclays - they are fairly bankrupt friendly - ensure you ONLY apply for the basic account - and then when that gets all set up - you'll have an account to work from. 

Angiedmac

Thank you very much. I’m going to sell my car so will use that cash to tide me over.