Thankyou, it's my daughter's first day back at school so I can't get there any earlier after dropping her off and it may take slightly longer than usual to settle her in. What kind of advice are you expected to have sought prior to going to court and filing for bankruptcy? I haven't been in touch with CAB, but last year I contacted 3 IVA companies, also did a CCCS debt remedy as well as my own research. After entering an IVA (I could have gone bankrupt but as I had a decent surplus I was able to make IVA payments) I was then made redundant and went on an IVA payment break. From this point I continued with my own research, got a new job (much lower pay), had advice from my IVA company (who were great throughout), did another CCCS debt remedy, all of which pointed to bankruptcy. Is that enough for the judge to go on? To be fair I am a very thorough person and research and analyse everything to the nth degree so I often feel I can make a decision without going to CAB or whoever. It's just whether they think all that is acceptable or not?

Hi, nervous newbie here! I've just phoned the court and booked an appointment to declare bankruptcy in two weeks' time, forms are filled in and ready to go. Heart jumping out of my mouth now that it's all in motion. Just a couple of queries - Are you expected to turn up really early for the appointment, do they have to spend a lot of time prior going through information with you? I can only get there about 30 mins before, is that enough time? Is it the norm to have 3 copies of everything, is that enough? Do you usually see the judge (or have him agree to the bankruptcy without you being in the same room) there and then, or do you need to go back another day for this? I will most likely phone the court back to check but just wanted to know if there is a set procedure for all courts.