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    • Spring17
    • By Spring17 5th Apr 18, 5:01 PM
    • 5Posts
    • 0Thanks
    Newbie desperate for advice
    • #1
    • 5th Apr 18, 5:01 PM
    Newbie desperate for advice 5th Apr 18 at 5:01 PM
    Hi guys new to the forum, and looking for some advice. I got myself into a huge mess financially over the last 2 years, owing close to 26,000. A lot of this caused by online gambling. Stupid I know and please don't judge. I stopped 2 months ago after everything got on top of me and I had what I think was a bit of a breakdown.

    To cut a long story short, I have always been employed earning decent money. Unfortunately I have been off work the last 4 months after I had to have major spinal surgery on Jan this year. After speaking to stepchange I filed for bankruptcy which was approved yesterday. I am waiting for my interview with the OR next week. As my income at the moment is just short of 1000 a month as Im on sick leave , where do I stand with my SOA and an IPA? Sorry for the long post. Am super stressed worrying about it, and woild really appreciate some advice off the experts on here.

Page 1
    • TheGardener
    • By TheGardener 5th Apr 18, 7:01 PM
    • 2,443 Posts
    • 2,375 Thanks
    • #2
    • 5th Apr 18, 7:01 PM
    • #2
    • 5th Apr 18, 7:01 PM
    Your SOA should reflect your current circumstances - that's what the OR will expect. If your financial circumstances change for better or worse in the future - your SOA will be adjusted accordingly. Nothing to stress about
    Last edited by TheGardener; 05-04-2018 at 8:10 PM.
    • cancatsdance
    • By cancatsdance 12th Apr 18, 8:39 PM
    • 50 Posts
    • 15 Thanks
    • #3
    • 12th Apr 18, 8:39 PM
    • #3
    • 12th Apr 18, 8:39 PM
    yes chill your income and out goings will leave nothing i imagine and in 12 months you will be discharged
    • Tallaght
    • By Tallaght 12th Apr 18, 8:49 PM
    • 672 Posts
    • 536 Thanks
    • #4
    • 12th Apr 18, 8:49 PM
    • #4
    • 12th Apr 18, 8:49 PM
    Ask most of the gambling sites to exclude you for life (self-exclusion order).
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