Should I go bankrupt?

[jon1965]

Re: Should I go bankrupt?

I can't wait!

[Never-In-Doubt]

Re: Should I go bankrupt?

Wait till mr dmp gives you what you need then you'll be smiling

[jon1965]

Re: Should I go bankrupt?

You will have to try a whole lot harder than that.
Good people are hard to find.....well until you come here that is

[PlanB]

Re: Should I go bankrupt?

You don't get away that easily

Worth a try

[jon1965]

Re: Should I go bankrupt?

The Birmingham Legal Advice Centre has debt counsellors as well as lawyers which is why I suggested that combo http://www.lawworksclinics.org.uk/bhamlac/index.php . But if Jon can get the same help over the phone/internet it will save him the round trip to Birmingham with all that expensive petrol.

I'll leave it to you lot now

You don't get away that easily

[PlanB]

Re: Should I go bankrupt?

That's the thing, the above is not something I really know a lot about.

Property side, especially around separation/divorce is not my thing.

Hence saying that they "might" look at it.

Perfectly possible it wouldn't be a problem at all. But I think a further legal opinion would be wise.

I agree that Jon should probably get formal legal advice on his matrimonial situation in relation to BR and everything else he's considering even if it just puts his mind at rest on the timeframe for whatever he decides to do. It's all intertwined but easily unravelled too

[Never-In-Doubt]

Re: Should I go bankrupt?

Ok, do you want a referral from a debt counsellor? If so PM me and we'll try and arrange it....

referral sent, hoping you'll get what you need shortly.

[PlanB]

Re: Should I go bankrupt?

Ok, do you want a referral from a debt counsellor? If so PM me and we'll try and arrange it....

The Birmingham Legal Advice Centre has debt counsellors as well as lawyers which is why I suggested that combo http://www.lawworksclinics.org.uk/bhamlac/index.php . But if Jon can get the same help over the phone/internet it will save him the round trip to Birmingham with all that expensive petrol.

I'll leave it to you lot now

[Riz]

Re: Should I go bankrupt?

2) The sale of the house and the giving of half the proceeds to my wife.
Before all the other stuff got overwhelming I had consulted a solicitor with regard to divorce. I had explained to him the situation about the house (my name, always lived in it together until I left, DWP paid part of the mortgage when she was there by herself and i had always considered it as joint property. Bought it August got married in the Dec

That's the thing, the above is not something I really know a lot about.

Property side, especially around separation/divorce is not my thing.

Hence saying that they "might" look at it.

Perfectly possible it wouldn't be a problem at all. But I think a further legal opinion would be wise.

[jon1965]

Re: Should I go bankrupt?

Was that because i didn't say thank you to you?

Thank you FLOWERPOWER

[Never-In-Doubt]

Re: Should I go bankrupt?

1) Money but I am a man with a plan and also have also applied to the Elizabeth Finn Trust and the irony of that will not be lost on some of you

You can't pick your family as they say, but hey - what a strange way of getting your hands on some of it

[Never-In-Doubt]

Re: Should I go bankrupt?

One of the issues as you know Niddy is that I need to raise the funds, and most of the charities now will only do that if you get a referral from a debt counsellor or such like.

Ok, do you want a referral from a debt counsellor? If so PM me and we'll try and arrange it....

[jon1965]

Re: Should I go bankrupt?

I appreciate everyone efforts so thank you ALL very much.
One of the issues as you know Niddy is that I need to raise the funds, and most of the charities now will only do that if you get a referral from a debt counsellor or such like.
There really are only a few things to iron out now before I make my final decision and I am not sure if legal advice will help.
1) Money but I am a man with a plan and also have also applied to the Elizabeth Finn Trust and the irony of that will not be lost on some of you
2) The sale of the house and the giving of half the proceeds to my wife.
Before all the other stuff got overwhelming I had consulted a solicitor with regard to divorce. I had explained to him the situation about the house (my name, always lived in it together until I left, DWP paid part of the mortgage when she was there by herself and i had always considered it as joint property. Bought it August got married in the Dec
3) My mum had paid some of the costs of the sale that were needed upfront as well as other costs incurred (man with Van, skip etc) so she was repaid out of the proceeds before division. I did this because of the rip off fees the solicitor would have charged to make separate payments.
4) Just how long will I be subject to oversight by the OR.
Likely 1 year BR but then another 2 (i think) of paying my debts off.

Thank you Rizzle for explaining that to me and to the other Mods who have offered advice, to one inparticular who has guided me through the worry of changing bank accounts etc.

Plan B you are just awesome and have gone above and beyond

Niddy knows what I think....Niddy and god (I will wait for the bolt of lightening)

[Never-In-Doubt]

Re: Should I go bankrupt?

Please don't misunderstand my good intentions. The point of going to a Law Centre is to get objective legal advice on all his options including any impact of them on a non related court case No pressure from me I assure you

Oh I don't, I know what he's like - I spoke to him for a good 2hrs myself, not like your 4hr marathon - but still, he's getting there as you say

Just conscious that it must be his doing, 100% of it. Once you go BR there is no going back.

But thanks, I do appreciate your efforts and I'm sure Jon does as well.

[PlanB]

Re: Should I go bankrupt?

But and I mean this with the greatest of respect, it has to be Jon's call - last I spoke he was only 50/50.

I think what you're doing here is awesome but please no pressure, this is something that needs 100% concentration and last time I spoke to Jon it was evident he was not ready to take the plunge and I suggested he do nothing for a week and instead considers options, including speaking to 4 mods who have been through it.

Anyway, I only want what is right for Jon but for the same respect it must be his decision.

Please don't misunderstand my good intentions. The point of going to a Law Centre is to get objective legal advice on all his options including any impact of them on a non related court case No pressure from me I assure you