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Post-bankruptcy & BRU restrictions
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I do not understand that people complete statement of accounts when going bankrupt and put aside money for going out, holidays and clothes purchase. So the creditor suffers a pecuniary loss and you continue to have a nice lifestyle. There is no Moral Hazard here, no suffering or hardship so how will you learn?
We’re talking a few quid a month here for the occasional pint, maybe the odd trip to the seaside, and replacing worn-out clothing - not Caribbean holidays and spending sprees in Harrods.3
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