I owe a lot!

[standingupformyself]

Dont give yourself a hard time. You aren't the only person to have made mistakes.

[standingupformyself]

Hi again.

Putting my two penneth in: You must take advice, as various people have stated, but I think you are doing the right thing... My hubby had to declare himself bankrupt 18 months ago... Its not pleasant obviously, but it was right for us...

PM me, if you would like to ask any questions... I do often go over to MSE to try to help xx

[standingupformyself]

From the moment you have your court appointment it gets easier.

[standingupformyself]

Personally speaking... once you get the forms from the court, it takes some time to fill them all in and get everything in black and white... It was quite hard seeing it in black and white, but it really made us face up to it and realise what we were up against and it was then we realised that we were doing the right, and only thing...

I spent a whole weekend just writing the forms out (AS I have said before, it was my hubby that had the nasty debts in his name, but I always considered that we got into this mess together and were jointly responsible) but by the time they were done and the court appointment was made, things got so much easier...

I asked the court what we should say to any creditor that phoned up, they said it was up to us, but it was perfectly acceptable to say to them that we had a bankruptsy appointment at so-and-so court, on so-and-so date.... which we did.

Just knowing the court date was looming was of course scarey, but also it was a feeling of relief..

As I said to you in an earlier post, things will feel better and get easier for you as soon as the appointment is set.

 

I am so glad we have been able to help you...keep in touch.

 

xx

[standingupformyself]

If you are income support then I am pretty sure the bankruptcy costs are much smaller anyway....

[standingupformyself]

I have the feeling that you probably shouldn't mention to the OR that you have borrowed the money from a friend for the BR fee, on the basis that you are going to pay this money back to your friend. It will be seen as priotising (?) one debt over another. (ie you are still going to pay the debt back to your friend, but not to the other creditor)

But, having said that, I am pleased for you that you have managed to still be able to move forward and go for it, it took courage for you to make the decision to take this, obviously, very big step and I was concerned for you last week that it looked like you may have to back-track.

 

Good luck with the interview, I have no idea whether the credit checks will be relevant but I have everything crossed for you xx

[standingupformyself]

brilliant............gawd you have had your fair share of ups and downs this last week or two.............

well done, congratulations xxx

[standingupformyself]

Ditto to the weight loss... our BR hearing was 18 months ago. It became obvious at the end of November that we were sinking and something very serious had to be done, the actual decision and phone call to the court to arrange an appointment was done between the Xmas and New Year period. Our date was then set for the 1st March.

In November I was a slim size 12, by the time the appointment came with the OR at the end of March I was an appalling size 6. Its not that I did not eat, but the appetite had certainly gone. It was purely the stress of the unknown. I looked awful as size 10/12 is the size I should be. It took over a year to get back to size 12 again.

 

I beleive though that the problem was, we felt totally alone. No-one really knew what we were doing, I did not use this site, or any other forums, so had no support. We knew we were making the right decision for us, so that wasn't the issue really.

 

The few people we did confide in, we only did because we had to. My In Laws knew how hard things financially were for us, so we told them what was going on. MIL used to keep questioning us.."so? do you think they will take the car then? What about the kids computer games?" I know she was worried about us, but the stress involved was incredible.

 

My hubby had been suffering from depression for at least 2 years before the BR and had a breakdown 6 months before. Walking away from the OR appointment was a real turning point in our lives, and beleive me, it will be for you. Keep coming back to this (and MSE forums) the best thing you can do now is keep talking to people who know what they are talking about, You will rebuild your life again, and you will learn from this (we have) Things will get better and normality will not be a dream any more.