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  • FIRST POST
    • Spring17
    • By Spring17 5th Apr 18, 5:01 PM
    • 5Posts
    • 0Thanks
    Spring17
    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.

    Kerry
Page 1
    • TheGardener
    • By TheGardener 5th Apr 18, 7:01 PM
    • 2,443 Posts
    • 2,375 Thanks
    TheGardener
    • #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
    cancatsdance
    • #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
    Tallaght
    • #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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