Should I go bankrupt?

[PlanB]

Re: Should I go bankrupt?

If Dawn is funded by Legal Aid she may not charge. Ask her straight up if there's a fee involved.

I guess the sooner you go BR the sooner your 12 months will be up and you could be discharged. Might as well get on with it

Why not write to your creditors and tell them you 'intend' to file for BR next week unless anyone else here thinks that's a bad idea

[SXGuy]

Re: Should I go bankrupt?

I guess whatever you decide to do, theres no harm notifying the creditors of your impending BR. It might make life easier for a little while at least.

Most creditors give up when they hear BR, but i dont know if thats the case when you imply its coming, usually once its done.

But its worth a shot, if it works, great

[jon1965]

Re: Should I go bankrupt?

Morning boys and girls
Need a bit of opinion

I have several forms for BR fees all hat need some form of money adviser signature.
I did have an appointment on 17th July with CAB where I was going to present a fait accompli . That has now been postponed until 1st August.

I have also been in touch with DAWN who seem to take referrals from CAB and who get paid by legal aid. I could get all the forms filled out and sent to them, my reservation is I think they are a for profit organisation and they have been quite proactive in following me up as a lead.

My third option is to scrape together every last penny I have or go to the social fund (DWP) to try and borrow some r all of the money and get it all over and done with asap.

Some opinions and maybe some pros and cons would be very helpful. At the moment I am leaning towards just getting it done as I really am finding the pressure quite heavy .

My final variation is doing something Niddy suggested in that I write to all my credittors saying that I am awaiting funding for BR and the OR will be in touch as and when it happens.

Thanks all
Jon

[jon1965]

Re: Should I go bankrupt?

Either that or I can buy a gun and go visit them.....in for a penny

[BBoo]

Re: Should I go bankrupt?

If they start being really really horrible, I'm sure you must have a friend who can officially muzzle them!

[jon1965]

Re: Should I go bankrupt?

No change there....


Yea you get to clean the Bankruptcy Arms....

So kind of you

[swanfan]

Re: Should I go bankrupt?

Thanks. That has reassured me, and if anything nasty drops on my doormat I will be back kicking and screaming and driving you all mad.

No change there....

Oh I just noticed...do I get a pressie when I turn 100?

Yea you get to clean the Bankruptcy Arms....

[philnicandamy]

Re: Should I go bankrupt?

Wives are what nightmares are made of

and then some......

time's like this I should have bought a comfier couch

[jon1965]

Re: Should I go bankrupt?

Wives are what nightmares are made of

[PlanB]

Re: Should I go bankrupt?

Thanks. That has reassured me, and if anything nasty drops on my doormat I will be back kicking and screaming and driving you all mad. Not that I am planning on going anywhere .

Now all I need is for my PA to find someone to clean my flat and do my washing and ironing I will be in clover

In your dreams

Anyway that's what wives are for

[jon1965]

Re: Should I go bankrupt?

Thanks. That has reassured me, and if anything nasty drops on my doormat I will be back kicking and screaming and driving you all mad. Not that I am planning on going anywhere .

Now all I need is for my PA to find someone to clean my flat and do my washing and ironing I will be in clover


Oh I just noticed...do I get a pressie when I turn 100?

[swanfan]

Re: Should I go bankrupt?

IMO i'd not say anything to them, either by phone or letter. Not sure whether they'd actually read or take notice anyway. If they write in the meantime just deal with it when/if it arrives, no point worrying bout what may happen.

[IF]

Re: Should I go bankrupt?

Here's another hug from me Jon

I would just ignore, as it is just a waste of stamps/recorded delivery tbh. Don't mention going BR if they ring as this will just increase the calls/letters ten fold!! If they ring say a debt charity is helping you and you will contact them in due course.

Just hang on in there and it will be over soon.

IF...x

[jon1965]

Re: Should I go bankrupt?

What a day, I've had people fighting over me, giving me hugs . Makes me feel all wanted

Now I have a question
As some of yo uknow I am applying for grants for the BR fee from various charities but this could take two, 3 or even 4 weeks. In the meantime one or two of my creditors are beginning to jump up and down. That does not bother me but in that sort of timescale can anything happen, i.e is it worth dropping a letter to each of them telling them I am exploring options and taking advice or am I just wasting postage?

By the way, anyone got a boat, i have a feeling we may need it before the weekend is out

[jon1965]

Re: Should I go bankrupt?

Jon? Who's Jon?
Never heard of the bloke

Plan B I know what you were saying and I am extremely grateful for everyones help.
So a huge thank you to
PlanB
FP
Niddy
Rizzle
Phil
Confused
IF
BBoo
And if I forgot anyone please don't take it personally
Yes it is now up to me to sort it all out so watch this space!