Todays the day......

betterlatethannever

Glad it went so well for you:beer:

direstraites

:beer: :beer: woohoo nice one :T

So_Sad_Angel

Hi Dane-Katie

Well done on getting through this difficult day . Have a lovely evening to relax...treat yourself...bag of chips & a cheap bottle (paid with cash of course!!)

Glad to hear Sheffield Court are friendly as is our local court as well!!

Angiexx

dodecanese

Glad it went ok Dane-Katie

dane-katie

Thank you everyone couldnt have got throught it all without this website, has helped me soooo much

ceborame

Debt free ? Coincidentally I was declared bankrupt today and from what I've been told I'll have to sell my house to pay the debts or will have a payment order for about 3 years to pay my creditors. What's changed ? still being chased for money !!!

So_Sad_Angel

dane-katie wrote: »

Thank you everyone couldnt have got throught it all without this website, has helped me soooo much

Hi Dane-Katie:A :A

Thankyou. The great thing here is that you can use your experience now to help others who find themselves in the place where you were just a few weeks ago. We have to help each other & we both know how valuable this forum is when you don`t know where else to turn.

Keep posting hun,

Angiexx

So_Sad_Angel

ceborame wrote: »

Debt free ? Coincidentally I was declared bankrupt today and from what I've been told I'll have to sell my house to pay the debts or will have a payment order for about 3 years to pay my creditors. What's changed ? still being chased for money !!!

Hi Ceborame

Well done on BR today...its not easy to make that decision.

Have you posted a separate thread about this?? might be worth engaging some opinion here.

Angiexx

d123

ceborame wrote: »

Debt free ? Coincidentally I was declared bankrupt today and from what I've been told I'll have to sell my house to pay the debts

did you take professional advice before going bankrupt? you didn't honestly think you could go bankrupt, keep your house and have all the associated debt wiped out?

I would have thought that would be item one on the information list - your house would be repossessed / sold for any equity.

You will only get an IPA if you have a substantial excess of cash at the end of the month (ISTR something like at least £100 spare and then you lose 50% of the excess) I'm sure one of the experts will be along to elaborate shortly.

ceborame

well Dave my comments were aimed at those that seemed it was cause for celebration at being 'debt free' post bankruptcy. And also I didn't 'go' Bankrupt I was made Bankrupt by a creditor. What I said about losing the house or having a payment order was a statement saying that the debt's are still there and still have to be paid, so in other words YOU AREN'T DEBT FREE !!!!