bankruptcy help needed

dialysis

HI Ihave received a county court form from one of our unsecured creditors. What do I do? As you know we are moving shortly and then when we have fees for BR we will file for it. My I and E shows I have nothing left to pay creditors. I am working my income on the fact that in two months my salary will stop and I will go onto incapacity benefit which is about £72.00 per week, although for the next two months I will recieve half pay which is fees for our BR. Do I fil this form in or put on it going BR. Sorry if I sound a bit dense but not sure.
Scarlett I post my I and E any help would be appreciated. This is from when we move into rented on 26th march no mortgage SL or debts included

Expenditure MONTHLY
RENT 650.00
COUNCIL TAX 130.00
WATER 35.00
HOUSE INSURANCE 29.43 PAYING FOR NEW PROPERTY AND OLD CANT CANCEL TILL HOUSE IS SOLD
GAS 49.00 ESTIMATED ON WHAT WE PAY BEFORE MOVE
ELECTRICITY 45.00 AS ABOVE
FOOD, LAUNDRY ETC 520.00 I HAVE SEVERE FOOD ALLERGIES SO THIS CANNOT BE REDUCED
TV LICIENCE 12.00
TRAVEL MOT TAX 190.00 OH TRAVELS TO WORK AND 100 MILE ROUND TRIP ON OCCASIONS
SCHOOL MEALS BUS FARES 20.00
CLOTHING FOOTWEAR 64.00 FOUR IN HOUSEHOLD 18 AND 15 CHILDREN
PHONE 20.00
UNION 15.42
B/DAYS XMAS 12.00
REPAIRS EMERGENCIES 20.00
SKY BROADBAND TELEPHONE 60.00 PACKAGE CHEAPER THAN SEPERATE

TOTAL £1876.85

INCOME MONTHLY
OH WAGE 1450.00 BASIC DIFFERS EVERY MONTH WORKS SHIFTS
INCAPACITY BENEFIT 288.00 APPROX
TAX CREDITS 30.00
CHILD BENEFIT 72.80
DEPENDANTS CONTRIB 40.00
TOTAL £1880.80

Thanks take a look see what u think
Daine;)

Toon_Dave

hi Diane,

if you are going to go for the BR then personelly i would just ignore the form as this would usually take a while for them to sort anything out against you..After which time you will be either BR or have court arranged etc.

Check with your advisors on tuesday ref this but i was advised to ignore all these by mine until court for BR..even if they threaten severe consequences etc...what can be more severe than BR??

A ccj etc would be wiped off by the BR so no need to worry bout that. All unsecured debts would be either wiped completly or as part of the IPA which looking through the I & E posted wouldnt apply as you need to have £100 surplus income free after all monthly expenses so wouldnt apply...if your accounts are correct you have less than £5 spare so ignore, ignore, ignore....

Hope ramblings help.

Dave.

dialysis

HI Dave
Thanks for that not a lot they can do then eh!!!
Cant contact me anyway moving house and telephone number not informing creditors, mortgage or SL till go BR.

Regards Diane

scaredwitless32

How about hairdressing, dental, perscripstions, and contact lenses etc?
We are a family of 4 and were allowed £90 for clothing..........
Not sure if union subs will be allowed?
Also you could try putting a holiday fund of £40 on as some are not allowed for repairs and christmas.........

not very good at this, but Im sure someone will be able to tell you more soon

Toon_Dave

You're welcome Diane...Yep if they dont know where you are until BR then why worry? after the BR the OR deals with them and as far as im aware doesnt give new address as all the creditors dealings must be direct with him/her.

SW32...The SOA form does ask something about do you pay official membership in a union, or something like that...im a Veterinary nurse and we have to pay yearly subsription to practice and therefore work so i would claim for that.

the more you put on the SOA the better, as the OR can always say to take it off but they would NEVER add to your figures!

Give it a try...they can only say NO.

Dave.

dialysis

Hi Dave
My hubby is a staff nurse so he has to pay union and (forgot this one )registration fees so it is a necessary. To add to all this strife we are going through my hubbies unit has just been taken over by a private consortium and his work load has technologically advanced so he is not sure he will be able to do it anymore, but we will see. As empty wallet quotes life is like a game of snakes and ladders you get to the top only to end up at the bottom again. read it its good. we have always been on the bottom up until two years ago when we decided to get a mortgage,back to top of ladder. We have always had financial difficulties due to my ill health, been through the death of our baby daughter and loss of jobs. So two years ago we get house my ill health returned whilst on holiday last october then within months we are now on the bottom of ladder again. No worries the only way is up!!!!

Diane:D

Toon_Dave

Diane...so sorry to hear about your baby daughter, that must have been the worst time ever....puts everyones money worries into context.

As you said the only way is up now...Good luck with it all.

Dave. X

tigerfeet2006

dialysis wrote: »

HI Ihave received a county court form from one of our unsecured creditors. What do I do? As you know we are moving shortly and then when we have fees for BR we will file for it. My I and E shows I have nothing left to pay creditors. I am working my income on the fact that in two months my salary will stop and I will go onto incapacity benefit which is about £72.00 per week, although for the next two months I will recieve half pay which is fees for our BR. Do I fil this form in or put on it going BR. Sorry if I sound a bit dense but not sure.
Scarlett I post my I and E any help would be appreciated. This is from when we move into rented on 26th march no mortgage SL or debts included

Expenditure MONTHLY
RENT 650.00
COUNCIL TAX 130.00
WATER 35.00
HOUSE INSURANCE 29.43 PAYING FOR NEW PROPERTY AND OLD CANT CANCEL TILL HOUSE IS SOLD Not 100% but once you have handed back the keys you are no longer responsible for the house. Why not post the question.
GAS 49.00 ESTIMATED ON WHAT WE PAY BEFORE MOVE
ELECTRICITY 45.00 AS ABOVE
FOOD, LAUNDRY ETC 520.00 I HAVE SEVERE FOOD ALLERGIES SO THIS CANNOT BE REDUCED The standard for 2a+2c is about £450, so you may have to fight your corner.
TV LICIENCE 12.00
TRAVEL MOT TAX 190.00 OH TRAVELS TO WORK AND 100 MILE ROUND TRIP ON OCCASIONS
Car maintenance/servicing £30
breakdown cover?
SCHOOL MEALS BUS FARES 20.00
CLOTHING FOOTWEAR 64.00 FOUR IN HOUSEHOLD 18 AND 15 CHILDREN you can put down £140 for this.
PHONE 20.00 Is this mobile? As you have phone in twice, if it is then it's fine.
UNION 15.42
B/DAYS XMAS 12.00 Put this down as personal expenses and try for £20
REPAIRS EMERGENCIES 20.00
SKY BROADBAND TELEPHONE 60.00 PACKAGE CHEAPER THAN SEPERATE Just put this down as phone package.
Do either of your children have a hobby/after school clubs
Do you pay for prescriptions/dental/opticians?
Do you have to dry clean any of the uniform etc.
Holidays £60
Hairdressing £25
TOTAL £1876.85

INCOME MONTHLY
OH WAGE 1450.00 BASIC DIFFERS EVERY MONTH WORKS SHIFTS
INCAPACITY BENEFIT 288.00 APPROX
TAX CREDITS 30.00
CHILD BENEFIT 72.80
DEPENDANTS CONTRIB 40.00
TOTAL £1880.80

Thanks take a look see what u think
Daine;)

Obviously this is not an exact science and some OR's have things they disallow but nothing ventured nothing gained.

I am sorry to here about the loss of your daughter, wishing you all the best.

dialysis

tigerfeet2006 wrote: »

Obviously this is not an exact science and some OR's have things they disallow but nothing ventured nothing gained.

I am sorry to here about the loss of your daughter, wishing you all the best.

Hi tigerfeet Thank you for your advice The phone is listed twice as we do have mobile but also we pay land line through a different company than call charges. We dont have breakdown cover. The food one I will have to fight as my allergies do not allow for certain foods and costs are often higher because of my diet.I didnt even think of putting holiday fund down but I will now. When I come to fill my forms in I will consult the list and do a little adjustment. Will keep posting no doubt will have more questions

Love Diane:D :T

tigerfeet2006

Glad to be of some help. It doesn't matter if your outgoings are more than your incomings. Then if things like food are cut you can balance that out with your clothes allowance or holiday allowance.. If asked you can just say that you are taking steps to reduce your outgoings, several posters have done this.