got my early discharge

North_East_Derbyshire_CAB

Hello Nuttyp,

Good Luck with your new beginning, life starts again and again.


All at NED-CAB.

betterlatethannever

:beer: :j :beer: :j

AmIdone4?

Excellent news, Congratulations :beer:

All the best for AnnCamRom too...

leahjessy1

Need advise please. I had a letter regarding possible early discharge at the beginning of April 2008 and sent the necessary paperwork back to the OR. Can an early discharge be refused and would the OR let me know the outcome one way or another.How long have people waited for the early discharge to be complete. I feel like I am dangling on a long piece of string, my bancrupcy experiance has left me very depressed, I feel like a total failure and at times have found it very hard to carry on. I'm not sure how I feel about the possibility of an early discharge, as if I get my hopes up, I may come down to earth with a great big bang. It has been 7 weeks since I sent the forms back to the OR. I thought the OR gave 28 days for the creditors to respond plus a further 7 days for late replies. Can anybody reading this help. I don't understand the implications of early discharge either.
My heart goes out to all who have experianced bancrupcy and I know I'm not the only one, but at times I feel completely isolated. Stop the world I want to get off.

philnicandamy

The OR will firstly send 'report to creditors' this is normally done within 8 weeks of the making of the bankruptcy order (your appearance at court etc). It's the initial report from the OR that tells creditors (amongst other things) the reasons for the insolvency and the likelihood of creditors receiving any payments from the estate.
The OR's office must then wait 3 months before they can consider starting the ED process if they feel it is appropriate.
For the ED, you have 14+7 days to return the IPOQ (I&E questionnaire..this is sent to you from the OR office if your considered for ED) after which the OR can write to the creditors to say that they will be applying for the ED and request any objections.
The OR's office must then wait 28 +7 days to allow creditors to reply. Then if no valid objections have been received, the ED notice can be submitted to the court.
So the quickest the ED could happen (in theory) is 56-57 days after the you get the ED/IPOQ letter.
it often takes longer and can even be shelved at any stage if the office is too busy with new cases as ED is NEVER a guarantee...

nuttyp

My letter stated, do not contact the office to discuss your early discharge as it will delay it due to haveing more work to do or something. To be honest I didnt think I was getting mine, but it was granted on the 8th but the letter to confirm it wasnt sent to me until the weekend. I thought the Halifax who were total a** before my BR over a repossession would block it, but I suppose they forgot. Blooming Good of them to lol

Well its over with now, my new debt free life begins NOW....

Baybee1984

Congrats on everyone on early discharges.. got mine last week too, fantastic news!