Thinking of going Bankrupt

[ATW]

Re: Thinking of going Bankrupt

I've sent you some info which will hopefully make things look less grim.

[lookingforward]

Re: Thinking of going Bankrupt

Support here too, can't believe all this hassle from a double glazed front door !!!

[cookie2112]

Re: Thinking of going Bankrupt

And from me too

My MIL has recently been diagnosed with Alzheimers, so I know it's hard enough just dealing with that! Good luck

[IF]

Re: Thinking of going Bankrupt

Another hug from me too Pompey

[Pixie]

Re: Thinking of going Bankrupt

Hi PF. Sorry I can't help with any of your questions but just want to add my support. You have enough on your plate without the added stress of this

[pompeyfaith]

Re: Thinking of going Bankrupt

Thank you ATW that has made me feel better already ;-) so ill forget for tonight and carry on helping my mum in law. ;-)

[ATW]

Re: Thinking of going Bankrupt

Call the court in the morning. Get the back ground to this from them. Has a claim been issued? If so when? What was the address for service when did they get judgment.It looks like you are both defendants. Ask for a copy of the letter written by the Claimants that is referred to in the order so you know what has been written. Attachment of earnings is a form of enforcement so i cant see how they can get it without a judgment.
They can only get the order if payments are missed under an adjudication.
Lets do some digging on this. we have time to sort it out. If its a joint debt then going bust wont help cos your missu will stil be on the hook but im having a look in Blackstones and there are all sorts of restrictions on what can be done here so it might not be as bad as you think.
i will PM you

[pompeyfaith]

Re: Thinking of going Bankrupt

Can anyone pay a bankruptcy trustee your interest in the house? If not then BR is a bad idea if you have the equity you seem to. That if a judge would make you BR in the first place.

Yes that is the situation I am in as have loads of equity that only a small percentage off would pay off all my creditors, but cannot get access to it unless I sell up and go into private rent which I cant do at the moment because of our mum as her share is her stability to live her.

It is a right mess perhaps I could try a write off with elsa's help? who knows fuck I feel like a prisoner all because the DWP Broke the law regarding my anytime revision

[Riz]

Re: Thinking of going Bankrupt

Can anyone pay a bankruptcy trustee your interest in the house? If not then BR is a bad idea if you have the equity you seem to. That if a judge would make you BR in the first place.

[pompeyfaith]

Re: Thinking of going Bankrupt

I'll get andrew on the case here

Thank you Niddy I would like some advice on bankruptcy if it is possible without losing home as I am done with it all and will not be needing credit in future so my credit file can kiss my arse!

[pompeyfaith]

Re: Thinking of going Bankrupt

Can they get an AOE if there is no CCJ? Remember this is hilliesden/DLC, they threaten charging orders from the very start and in most cases act on it by swiftly issuing a claim.

Is it possible they have got a CCJ in default and you were unaware?

It is possible I guess, but how would they as I have been at same address since 1986 so surely any docs I would recieve

[Never-In-Doubt]

Re: Thinking of going Bankrupt

I'll get andrew on the case here

[Riz]

Re: Thinking of going Bankrupt

I would guess they have obtained a CCJ on the sly. AOE would not be allowed if not.

Quickest and most certain way is to check with the court quoting the claim number.

[SXGuy]

Re: Thinking of going Bankrupt

Can they get an AOE if there is no CCJ? Remember this is hilliesden/DLC, they threaten charging orders from the very start and in most cases act on it by swiftly issuing a claim.

Is it possible they have got a CCJ in default and you were unaware?

[pompeyfaith]

Re: Thinking of going Bankrupt

It was applied for via letter to the court, however it appears it must be done on this N377 FORM

http://www.familylaw.co.uk/system/up...N337_web_e.pdf

The form I received is below which came without a form to declare our income



Ill send original to Niddy