If you plan to declare yourself in some months, and have 4 credit cards you have been paying the minimum payment for every month. But your expenditure has increases, and you have no disposible income int he bank account, which was paying the 4 credit card minimum payments, so for the next 2-3 months you wont be able to pay off your credit card minimum payments. (due to lack of funds) and in month 2-3 you will consider declaring yourself bankrupt so you are leading up to an ongoing problem of debt, that you cannot repay, you have no money from your expenditure to pay these credit cards, you have no disposable income left, as it is all spent on your daily/weekly expenses so as a result of this you have no money in your bank account wot pay the 4 direct debits, then them credit cards will not be paid. (There is also a loan aswell, which is with a bank), and all credit card are popular high street banks. Basically you will Not be paying your minimum payments to your credit cards, due to lack of funds, for 2-3 months, so what would happen? What would happen then, within them 3 months? - as a worse case scenario ? a) from the credit card companies point of view? b) from the bank/bank accounts point of view, where the direct debits are coming out from? (eg, additional charges, letters etc) c) From your credit files point of view (which is already negative and damaged ) d) The OR meeting, what would he ask? or just he would see that you are getting more and more into debt, and can't pay your cards, (as expenditure proof will be given) - what would be the worse case scenario with their meeting? if any ? e) Would CCJ's occour? f) How many months worth - would they consider using CCJs against the debt? Why considering BR in 3 months? they are looking at Debt management companies, and have had some unexpected personal family problems. but were just wondering the worse case scenario for NOT paying your debts for a 3-4 month period, what would be the worse that would happen to you, your credit file, your debtors, your meeting with the OR when that happens) --------------------------- Here it is in another simpler form: If considering bankruptcy in a few months, and currently you are in credit card debt, and loan debt (paying the minimum payment every month) but 2-3 months coming up towards the time you will consider declaring yourself bankrupt you 'dont' pay any minimum payments to them 4 credit cards, and loads as you don't have the funds for them payments (due to your expenditure increassing) then within them 2-3 months (now until 2-3 months in the future) ...what is the worse case scenario that will happen? as you will be Missing your minimum payments to your credit cards + loan for months(as you have insufficient funds in your bank account) so your minimum payments of the 4 credit cards will NOT be paid... so asking within them 2-3 months would could happen to you/your credit/ your credit file etc? (eg letters could be sent to you ) --------------------------- What would happen then, within them 3 months? - as a worse case scenario ? a) from the credit card companies point of view? b) from the bank/bank accounts point of view, where the direct debits are coming out from? (eg, additional charges, letters etc) c) From your credit files point of view (which is already negative and damaged ) d) The OR meeting, what would he ask? or just he would see that you are getting more and more into debt, and can't pay your cards, (as expenditure proof will be given) - what would be the worse case scenario with their meeting? if any ? e) Would CCJ's occour? f) How many months worth - would they consider using CCJs against the debt?