Bankruptcy meeting with the OR

davebrown

Hi all,

Well to all those who've been following my previous posts or havent, I have the meeting with the OR tomorrow.

They've asked me to bring along my business records/cheque books, bank statements and generally anything to do with my creditors.

I was wondering if anyone who's gone through this stage can shed some light on what to expect when I'm there. Will I be sat there for hours while they go through every bank statement & cheque book stub I have.

I'm going to take along "everything" I have with me, better to have it there and not need it than the opposite I suppose.

Even though the application at the court was a breeze and caused no problems, since then I arranged a new bank account, rearranged all my direct debit agreements, all thats gone smoothly, nothing to moan about at all but I must confess tomorrow is the day I will find out how long it's all going to go on for and how much I have to give them each month so thats a bit daunting.

Anyway as before I'll let you all know of my experience when its done.

tinalives

I can't give any advice, but good luck.

pug_in_a_bed

I didn't ahve my interview in person, it was over the phone (this is all dependent on a) how busy they are or b) the complexity of your situation. Frankly, its more related to how busy they are so don't worry too mcuha bout it being a face to face ratehr than over the phone.

I was basically asked to give info I'd given already on the forms, like who I owed and how much. He wrote all this down on the other end 9hideous pregnant pauses). He also asked me how/why I thought I had gotten into this debt - its a standard question not him being nosy/judgemental. To be honest this is the one that surprised me the most as everything had moved so fast I'd barely remebered why i'd ended up where I had - take all your papers/copies of what you filled in when you declared and perhaps read them through before you go as a reminder.

He's going to ask you a lot that you have laready answered in forms etc. He will particularly, if mine is naything to go by, look over your planned expenditure. In my case he made a few suggestions and actually upped several ammounts for expenses I'd put down.

At the end, he told me what would happen now, eg. that iw as to inform him of any changes in circumstances, and what happens when you are discharged etc. He then told me whether I would be making a payment (i don't).

Its straight forward adn pretty standardised. They are basically now looking to see if you have the means to make a payment. I think its the judge who decides how long the term will be, so if you were not told last tmie I guess the OR will tell you tomorrow.

Best of luck
(ps i've been lurking at your posts for a while so I'm happy to see things are on track)

roversbabe

Good luck - hope it goes well for you