June's 2013 BR Club

meep777 wrote: »

Hi
My Bankrupcy petition goes to court next Tues, Im dreading it, especially the OR interview. Ive nearly cancelled twice, but as my mum pointed out my problems wont go away. I split from my husband last year and live with my two girls, its nice to know you can talk to people in the same position as your self.

Mandy

Hi Mandy and welcome to June's BR Club, I've added your name to post 1 :beer:
Deep breaths and you will be fine.

My tongue in cheek checklist, what to take to court :-

- Your two copies of 6.27 and 6.28 and the Originals, do not sign them, you do this in front of the clerk. Your completed EX160 if applicable and any benefit letters/forms etc as proof.

- Money for bankruptcy fees.

- Spare change for coffee machine.

- Paper or magazine to read while waiting.

- Change for car park.

- Optional a friend to chat to/hold hand.

Best wishes
IF

meep777 wrote: »

Hi
Thanks for the comments and the useful information. I did my forms with a money advisor from the CAB so am just finishing them of today, thanks for the tip about not signing untill you get there. What kind of questions does the judge ask?
Mandy

Experiences vary slightly depending on the court Mandy but this was mine, I had an appointment:-
You go to the court, speak to the clerk they will go over the forms, they take the money. You swear that the forms are true. Then you'll be asked to wait, the judge may or may not see you (He will ask you if you sought advice, you say "yes' you name your debt charity that helped you). Then you leave and wait for the clerk to give you your Bankruptcy Order, ( sometimes this is sent to you later) you then Speak to the OR's clerk on the phone they'll ask you a few questions and you ask them you wish to use your coop/barclays basic account as your pay and DD's go through it. They say they will speak to the bank and they have no interest in it. It can take between 1 or 2 hours....although sometimes it can be quicker. The Clerk’s were professional, respectful and very helpful. As was the Judge, who looked younger than me!!!!

Then you go home and have a nice cup of tea and chocolate !!

Bump.........:staradmin

This club is for everyone who has gone or going through the process of Bankruptcy during June 2013. So please feel free to join and post.

Pop your name on here, the date that you went/are going Bankrupt. Then just keep everyone in the club updated throughout the next year about your BR journey. That way you can all stick together, compare notes and be there to support each other during the different stages of your Bankruptcies.

Obviously anyone can come on here and post anything that will help and you are all welcome. Any important questions that need answering please still post them on the main board, as you will receive more advice and help.

~ Please do not include too much information as the IS (Insolvency Service) are known to frequent this forum and they may identify individual cases, so username and date only, thank you ~

IF