bankruptcy set for august 1st

[Rich]

Hi Terry

as odd as it may seem when I went bankrupt it was a very informal meeting. I was called into a room and the judge was just sitting there and asked me to explain my situation. He then concluded my saying that as from now you are Bankrupt. I had to then make my way to the official receivers office when a interview was held. It was all very straight forward and although it seems a big step, you really dont have to worry about being in court of the interview with the Offical receiver. I just went casual. If you normally wear a suit and tie, thats of course fine. Will be thinking of you Rich

[Shining]

Rich that's a very positive encouraging post for Terry that I'm sure he'll find reassuring. x

[Niobe]

It does depend upon which court you go to as to the procedure. A lot of people don't see a judge now and then you usually have an initial chat with the receivers office on the phone the same day and then have an in depth interview at a later date.

[Gina.gu]

That dressing gown sounds good terry good luck

[Julie]

I'd go for the suit & tie, Terry. If thats what you wear for work, you'll feel more comfortable.

My hubby went BR following a failed IVA and the court experience wasn't as daunting as we had imagined (and stressed). We saw a judge and a clerk, both very nice and helpful.

Good luck!!

[KM1512]

Good luck Terry for the 1st and let us know how you get on I would advise that you wear what makes you comfortable

[terry d]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Niobe

You do realise you have to take it in cash don't you?

yes got the cash all ready,im starting to think about it quite a lot now,ill go suit and tie ithink it will make me feel a bit better im booked in for 9am hopefully ill be out in a few hours,when i think back 6 years when i had morgage and a £16,000 bmw and i spent £6,000 on the bathroom i wonder what the hell went wrong,then i look at my accounts for those years and see a steady deline in profits,ive had the good days im in the bad days now,hopefully the next few years will see things getting better

[Niobe]

Good luck Terry - soon be over!!

[Gina.gu]

Good luck terry, remember to let us know how it went. I know what you mean about looking back. We had our own business and a lovely life..then the domino effect happened. Crash bang wallop! Look to the future you can work on that and make many more plans for yourself and good times .

[terry d]

using cash now is very strange and i now carry a calulator around with me,its like living in the 1950,s,if i havent got the cash in my pocket i aint getting it,and im thinking ahead more to when i have to pay my bills,how much will i have earnt by then,and im just managing to stay on top of it all,for now anyway

[Karen.mg]

Good luck for Wednesday Terry, I was speaking to a neighbour today, he told me he went BR last year, he said no problems at court, nothing to worry about as everyone was very helpful. It's just the fear of the unknown that gives us the collywobbles!!

[Shining]

Good luck again from me Terry, do let us know. I believe cash all the way as it works for me too. x

[kat68]

good luck terry, i'm sure its nowhere near as bad as your imagining.

[terry d]

well got to print out the documents to take on wednesday nearly 100 pages so a new ink cartridge cost me £19,aww a bit scared now thanks for your support eveybody,ill update this thread wednesday and let you know how it went or ill be in prison lol

[Shining]

You'll be fine, keep positive x