Bankruptcy Fees

I was looking for some advice regarding the £680 fee.
Due to bereavement and a deterioration in both my mental and physical health over the past  year I am currently unable to work. 
I started a bankruptcy application in January 21 but after 12 months I am still unable to pay the fee as I do not have any disposable income or anyone that could help me. I understand you can pay in instalments but that doesn't help if you simply don't have the money.
The CAB applied to Severn Trent Trust for me in August but unfortunately that application was unsuccessful.
I owe £56k, have three CCJs and a WOC.
I do not know what to do
Thank you and advice will be appreciated 


  • JCS1JCS1 Forumite
    5.1K Posts
    Part of the Furniture 1,000 Posts Name Dropper
    Are you still paying towards any non priority debts? Any credit cards you could withdraw the fee on?
  • sourcratessourcrates Forumite
    26.6K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Benefit income is not all its cracked up to be, in most cases its quite paltry.

    Are you being chased for these debts at all, because if you don`t have the money to pay them, there is very little the creditors can do.

    My suggestion would be to write to them all and explain your circumstances, tell them your only income are benefits, the debts are unaffordable, you can`t pay them, and would they consider making a commercial decision and writing off what you owe.

    Ask those with CCJ`s if they would refrain from enforcement action for the same reasons.

    Affordability is everything these days, it can`t hurt to try, a few recent posters have had success when they have found themselves in similar circumstances to yourself.
    Ex MSE Board Guide.

    More than a third of IVA`s fail....fact.
    Could A Debt Relief Order help you ?
    Never pay a fee for a Debt Management Plan.
    For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
  • milkinsmilkins Forumite
    2 Posts
    First Post
    Thank you I will write to them and see what they say
Sign In or Register to comment.
Latest MSE News and Guides

British Gas prepay meter users... pay less for gas from 1 April

MSE News

The 'odd Easter flavours' thread 2023

What bizarre food stuffs have you spied?

MSE Forum

Energy Price Guarantee calculator

How much you'll likely pay from April

MSE Tools