Over the last few months i have been stressed more than ever, i had so much debt i didn't know where to turn to next.
I spoke to a super lady called Viki Warbrooke, who put me in the right direction. From today i have been officially bankrupt, and the relief is so unbelievable, i cant stop smiling.
I would like to thank everyone on here who has left messages of advice and support, But the biggest thank You i would like to give to is of course Viki
So Viki from my self and wife i would like to say a MASSIVE THANK YOU for all the help over the last 4 months or so, i dont think we could have done it with out you.
BIG THANK YOU AGAIN
i have learnt a big lesson in debt, i am not proud of the bankruptcy, but glad i have done it to get me out of an hole which was getting bigger and bigger,
Thank you so much for your post - it has given me a lot of encouragement. I am going to court tomorrow to officially declare myself bankrupt and have been going through the one moment I am ok the next I am not ok syndrome. Melanie Giles and Melanie Nichols have been fantastic with me and I had a last pep talk with Melanie Nichols this morning which really helped too. I have finished the forms and photocopied them. Just got to pick up the remainder of the money to pay from the bank tomorrow before going. I know it sounds a funny question Steven - but did you wear a suit to go to court? I don't know if I should wear one or not? I feel like I should as it is so official but then I don't know.
Really pleased you feel so much better - I hope I do to.
Take Care
Poppyfairy [:)]
There's an old zen saying 'Only an empty bowl can be filled'. It means that the moment you think you have nothing left is the moment when growth and progress become inevitable. Everytime you see an empty bowl, think of the potential.
my wife said the same question, i just turned uo in a pair of jeans and shirt, my normal every day look, i sat in a small room with only one lady looking at my form, i was there around 2 hours and all sorted, i was so nervous, but its nothing to be afraid about. its over before you know it, i hope it all goes well for you, i'm sure it will, you will have to let me know, as i will be looking out for you now poppy
Its not every day you make yourself BR but I would advise wearing whatever feels comfortable. I sweat more as soon as I put my suit on,and instantly become more nervous!!!
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
Thanks for the advice. I shall ponder on it a bit more.
I found the BR forms a bit at first, but did find an excellent guide on the Citizens advice that has a completed example on there so you can see exactly what to do. Then Melanie Nichols answered all the questions I had queries on and that was that. I was really worried that someone was going to come round to the house and list everything inside it and then try and take it. My kiddies are disabled so it is all their equipment etc. I was scared they would take. But Melanie said that was 20 years ago and now things are really different. So that was a huge relief. I was told I have to go in tomorrow morning to submit the forms etc. then see the judge on Wednesday morning. Did you see a judge at all?
Poppyfairy [:)]
There's an old zen saying 'Only an empty bowl can be filled'. It means that the moment you think you have nothing left is the moment when growth and progress become inevitable. Everytime you see an empty bowl, think of the potential.
Yes wearing a suit does make me more nervous. The only time I have ever worn them in the last three years was to go to court for the children's education cases etc. And I was really nervous. I know it all sounds petty but do you think jeans would be disrespectful? That's what I am worried about is that the court people and judge will think I am being disrespectful.
Poppyfairy [:)]
There's an old zen saying 'Only an empty bowl can be filled'. It means that the moment you think you have nothing left is the moment when growth and progress become inevitable. Everytime you see an empty bowl, think of the potential.
Steven, thank you so much for your lovely post and feedback on the Vincent Bond website. I'm glad I could help and if you ever need any further help, I'm only a phone call away. Get yourself a pint tonight and relax.
Some great posts here about bankruptcy, which of course is not as bad as it might seem at first glance. And superb feedback for our Viki, who has not been around much lately due to motherhood, but it is great to see you back!
I went bankrupt 3 weeks ago,I just went in smart jeans, I did see the judge, just in an office and he was really nice.Bankruptcy can be a godsend as a last resort.
It shows you the lesser stigma of bankruptcy nowadays.....that you are more worried about the judge judging you on your appearance than on becoming BR.
smart jeans will do just fine,or whatever you feel comfy in.
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
at first, but did find an excellent guide on the Citizens advice that has a completed example on there so you can see exactly what to do. Then Melanie Nichols answered all the questions I had queries on and that was that. I was really worried that someone was going to come round to the house and list everything inside it and then try and take it. My kiddies are disabled so it is all their equipment etc. I was scared they would take. But Melanie said that was 20 years ago and now things are really different. So that was a huge relief. I was told I have to go in tomorrow morning to submit the forms etc. then see the judge on Wednesday morning. Did you see a judge at all?
