Experts Opinion needed!

[worriedgirl]

filed for BR on 13.5.08 had a 10min chat with OR yesterday but actual interview isn't until a couple of weeks time.

She has stated that she will need to go through my debt and how I got there. I have been maintaining my min payments to all my creditors but have been using credit to live because there was no income left once everything paid, I did this until April 08 and then made no payments when I got paid at end of Apr but have not used any credit since then.

My debt is simply because I have lived beyond my means, I have had consolidation loans and then run up credit cards again.

I am seperated from my ex and have a son I had cancer 10years ok and have had several other ilnesses due to thetreament. My debts however have really only been builtup over last 5 years and basically I just went on spending frenzy wanting to give my son a good life, holidays etc after the treatment etc. Can anyone advise how this will be viewed by the OR.

Tess

[Adam Davies]

Hi
You have absoulutely nothing to worry about.The OR will totally understand.
Good luck and I hope that you find life easier
Regards

[Skippy]

Tess, I had no excuses for my debts apart from living way beyond my means. The OR was fine with me and I was discharged after 12 months without a BRU.

[worriedgirl]

Thanks Skippy

I am worried because I used my card up to 3 weeks before I went bankrupt didn't really have much choice. I suppose I may have rushed into BR but had already been told I couldn't do an IVA and wanted to get the ball rolling with some sort of plan.