forced to go bankrupt

mumof5kids

sorry for repeating myself just don't know where to post this can someone give me some advice today i go a summons to get made bankrupt from council tax non payment just dont know what to do doesn't say much on the forms just i have been served this notice and need to appear at court will i need a lawyer what will i do please help

Caroline

Saucepot

http://www.insolvency.gov.uk/

pipkin71

mumof5kids wrote: »

sorry for repeating myself just don't know where to post this can someone give me some advice today i go a summons to get made bankrupt from council tax non payment just dont know what to do doesn't say much on the forms just i have been served this notice and need to appear at court will i need a lawyer what will i do please help

Caroline

Someone I know is going through this at the moment, and the council are taking her to court.

Luckily for her, she doesn't own her home and has nothing of any real value, so her debts will be wiped. She's looking on it as a fresh start.

Do you own your own home? Have you assets which insolvency can take towards your debt?

Seeking advice is a must, because if you have assets you risk losing them if the bankruptcy petition is successful.

HTH

Pipkin xxxx

meher

HariboJunkie wrote: »

How about cutting out the judgements of someone whose circumstances you don't know?

how about letting people be

mumof5kids it would be best to seek advice at your local law centre because when you seek bankruptcy it's not just the current assets that could be at stake, your future assets like pension and such could be at risk too, though I'm not clear about your employment status. I'm guessing from your OP that you have only got to the stage where a summons has been issued? In which case the hearing you would be appearing would be for the court looking into the council's application of your liability to pay so it's about the right time to seek legal advice and you do have options about attending the hearing and payment options reviewed - don't lose heart. Normally the officials at the council tax themselves would advice you on the forms that have been sent out to you and my understanding is that you're expected to discuss with them if you feel you could do with reviewing arrangement of payments or to discuss arrears - have you approached them?

looby75

normanmark wrote: »

Well look at her post, can't you see the way it could be interpreted? Its not as if she's out & out condoning her friend for her actions

no she's not condoning them, she simply made a comment about her friend seeing bankruptcy as a fresh start. Which is the way most people see bankruptcy, and I also understand her comment about her not owning her own home being lucky. If she did she may very well be facing homelessness as well as bankruptcy.

No one on this board knows the circumstances of why either the OP or Pipkins friend are finding themselves in this situation, it's not always due to carelessness with money, death, illness and job loss can often be the cause too. Yet everyone is very quick to assume that it MUST be because they p!ssed their money up a wall or something like that.

Quasar

Do we know more about the OP, her circumstances etc? I think we should all take a step back. One of the purposes of mse is to help people in the OP's situation, but when we rush to draw conclusions from thin air, it doesn't speak well for the site, imho.

Maybe the OP chose not to pay the council tax. Or maybe, the OP couldn't for legitimate reasons, such as having lost her job or god knows what.

Not having a go at anyone here, but I feel that there is too much criticising going on lately, based only on assumptions.

Penelope_Penguin

mumof5kids wrote: »

sorry for repeating myself just don't know where to post this can someone give me some advice today i go a summons to get made bankrupt from council tax non payment just dont know what to do doesn't say much on the forms just i have been served this notice and need to appear at court will i need a lawyer what will i do please help

Caroline

OP, please, please, please move away from this forum and take the advice in posts 2 and 3.

Insolvency.gov is a brilliant site, with the answer to every question you ever needed to ask about BR.

The Bankruptcy board is the best place on MSE to ask your question. This thread will dissolve, before your very eyes, into a general discussion about the rights and wrongs of debt, and you'll never get a sensible answer :rolleyes:

You will need to go to court, but you won't need a lawyer. Can you contact your CAB? If they can see you, they'll be able to assist you.

Best of luck.

OddjobKIA

Quasar wrote: »

Do we know more about the OP, her circumstances etc? I think we should all take a step back. One of the purposes of mse is to help people in the OP's situation, but when we rush to draw conclusions from thin air, it doesn't speak well for the site, imho.

Maybe the OP chose not to pay the council tax. Or maybe, the OP couldn't for legitimate reasons, such as having lost her job or god knows what.

Not having a go at anyone here, but I feel that there is too much criticising going on lately, based only on assumptions.

Quasar didint you know that everybody on here is better than the next person they work harder, pay more taxes, and everybody should live like them

meher

pipkin71 wrote: »

However, on the other thread, someone said bankruptcy was too easy these days, and I agree with that.

Pipkin xxxx

hmm seems like it is easy but my concerns would be about the implications for the future and a general sense of loss - it must be quite demoralizing if you think about it though I agree for some that is the only option left

pipkin71

meher wrote: »

hmm seems like it is easy but my concerns would be about the implications for the future and a general sense of loss - it must be quite demoralizing if you think about it though I agree for some that is the only option left

Absolutely it is often the only option left.

I wasn't thinking it was easy for the person who has to go through it, rather that the bankruptcy proceedure was too easy, so those who don't give a thought of the debts they run up will find it easy, whereas those who have struggled to keep afloat may find the process easy, but not the emotions that goes with it.

I should have explained myself better there.

Pipkin xxxx

Penelope_Penguin

pipkin71 wrote: »

However, on the other thread, someone said bankruptcy was too easy these days, and I agree with that.

Pipkin xxxx

Having experience of working with people who are in the process of going through BR, while the process may be easy, the after effects certainly aren't. It can affect your life for years. I take no issue with this (we all have to reap where we sow ) but strongly disagree with people who claim BR to be the "easy way out".

What alternative would you propose for people who are completely out of their depth with debt I'm asking this regarding people who are already in that situation, not getting there in the first place is a different thread

Local Authorities are currently sending more people than ever bankrupt, for ever smaller sums.