Statement of Affairs

[nat3001]

Hi all,

Just joined up and need some advice.

I am just filling out my statement of affairs for bankruptcy. In the list of creditors do a give them the original creditors details or do i put the DCA that are dealing with them.

I have been struggling with £18k worth of unsecured debt since dec 2006 when i lost my job, just after finding out I was pregnant. Obviously on a very low income ( i live with my partner and 2 kids and i am not entitled to any benefits exepct Child benifit) i could nowhere near meet the repayment. Went to CCCS who were excellent and was put on a DMP. Whilst receiving maternity allowance. Once this stopped my income dropped to £175 a month and my partner helped me out for a while although this was unsustainable. Also smaller creditors would not stop interest and charges. I have now decided to go bankrupt. I have had letters from baliffs and DCA threatening legal action. This has put strain on my relationship ans my health. I am on anti depressants and sleeping tablets to get through the days. My partner is sometimes having to use credit cards by the end of the month and we need to use some of my tiny income to buy essentials for the kids etc. My partner owns the house and car etc. Am i doing the right thing?????

 

Sorry for rambling on and I only came on to ask the question re: statement of affairs.

 

Any help appreciated.

[MARTIN3030]

Moved to a more appropriate forum for help.

[diamondgirl]

Hi and welcome

 

To my knowledge its the original creditors unless any of the debts have been sold on then its whichever company owns it.

You need up to date balances as well and a copy of any recent statement from your creditors.

 

DG