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Hi

 

I am about to file for bankruptcy in Scotland for £20,000 in debt.

 

I've buried my head in the sand for years and see this as the only way out,

I only earn £800 per month and my husband gives me £800 for household bills.

 

I am concerned regarding dealing with official receiver and then requesting bank statements .

 

I have been gambling on average £40 per week for the last year and my husband has also made large transfers into my account for a loan he had taken out ( he had no bank card at the time so in effect he was using my account and my card).

 

Will the official receiver scrutinise every transaction?

Will the fact my husband has sent a lot of money to my account matter ?

And could a bankruptcy order be made due to the gambling ?

 

I was already up to my eyes in debt but the debt wasn't occurred due to gambling.

Any winnings I did have were to pay for household goods

, I don't have a lavish lifestyle and have no spare money to do anything.

 

It's the thought of providing bank statements that terrifies me,

I don't want the official receiver going crazy at me for wreckless spending

 

. I suffer bad enough with anxiety and the thought of dealing with this part is making me ill. Any advice would be greatly appreciated

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Can you list your debts?

And when you took them out

Type of credit

Who with

Who owns it now

Default date

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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