slight concern please help ?

jono_1uk

all my forms are now printed....
but i have realized that they never ask you how much your monthly payments are at the moment to each creditor..?
surely it would be easier if the judge could see that i earn X but paying out Y so that is why i need to go BR

AmIdone4?

They will work that out from your disclosures on your expenses/SOA .

Edit: I mean it will be obvious to them why you need to go BR when they see the incomings and outgoings. Payments to creditors leading upto BR isn't an issue really...

jono_1uk

right , reason i ask is that my surplas ammount after listing my expence's is £700..
i need him to realize that i am paying out 1200 quid a month to creditors..
that isnt clear ....

tigerfeet2006

Is it clear on the forms the total amount of your debt? If so then it will be clear to the judge why you are in this position.

jono_1uk

thanks tiger ...
yup it is very clear that i owe £34000 before you take into account the car and the harley....

empty_wallet_2

If you do a Debt Remedy report on the CCCS website, this will ask you to list all your debts and monthly payments and will show you a summary at the end showing your income and expenditure, so you could include a copy with your BR paperwork like i did should i have needed it, mine showed i had £1280 a month to pay on my debts alone before living expenses. The debt remedy report also suggests the best course of action for you to take.