Probably a dim question about ED

thebride

Hi All,

My husband and I recieved our EDs this month, had the sealed court notice sent to us and its on the website to confirm. I just have a quick question tho - at the bottom of the notice it says something that basically in summary is about still co-operating with the OR in big bold letters.

So heres my dim question, now we are discharged and have no assets or anything outstanding from our BR... does this mean we are now "free" and dont have to inform the OR of any changes to our income or anything, or does the co-operation bit mean that while we are no longer currently bankrupt we still have a duty to inform the OR of such changes. I am asking on here as our ORs assitant at the insolv service is'ant all that helpful/friendly at the best of times and if we do still have to inform them of things I dont want to annoy her by asking dim questions!

Many thanks TB xxx

NekoZombie

No doubt it will refer to any IPAs you may have in place - you would still need to inform them of any changes in income. It would also apply if you had property and there were still issues that needed to be resolved. If none of the above apply, I imagine you have nothing to worry about

thebride

Thanks for your reply NekoZombie... I dont think we have an IPA but H does have an NT tax code that runs till April to pay his tax to the OR, forgive me for being dim (yet again!) but is that classed as an IPA?

I'm interested as I've started work since our discharge, and while we dont have any noticable surplus anyways (due to extorniate nursery fees, new travel costs etc) - I didnt know if I should still inform them, or if since I've started since our discharge they wont really be interested? I accepted the job before I was discharged by the way, its just blooming good luck that my start date was AFTER my ED date.

fermi

The duty to cooperate with the official receiver covers ANY issue that may arise in the future concerning your previous bankruptcy estate.

As members of this forum have discovered issues can and do pop up even once you are discharged. This can vary from creditors that you had forgotten about suddenly coming out of the woodwork, IPA's, property issue's and the re-vesting of interest in the BR, inheritances that you became entitled to during the BR but were only made aware of after, plus many others.

fermi

thebride wrote: »

Thanks for your reply NekoZombie... I dont think we have an IPA but H does have an NT tax code that runs till April to pay his tax to the OR, forgive me for being dim (yet again!) but is that classed as an IPA?

No. That IPA was only for tax so you are safe.

thebride

So as long as all my changes are post discharge (which they are), all should be fine?

Thank you very much for replying.

fermi

thebride wrote: »

So as long as all my changes are post discharge (which they are), all should be fine?

Yes. Changes to your circumstances after discharge are not relevant to the OR unless you have an IPA or something happens that effects your previous bankruptcy estate.

The changes you have mentioned are none of the OR's business.

thebride

thank you once again fermi.