Pls, pls, pls help!

[MelanieGiles]

Hi stevie

You will be able to get a mortgage quite easily when you are discharged from bankruptcy - after one year. I think that it would be a good idea for you to take your name off the joint account for the time being.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

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[BrassicLintus]

Hi Steve, if bankruptcy is your only option then first of all you need to fill out the "Statement of Affairs" forms, but I know they look complicated and daunting!! Fill out as much info yourself as you can, if you're stuck you can always post questions on here!), but if you're struggling, then make an appointment with your local CAB. My advice before going to the CAB would be to get all your documents in place first (ie list of creditors, amounts owing, details of any pensions you may have, bank/savings account details etc), that would then help to fill in the forms. For your main address you need to put down where you have spent the majority of the last six months (there is a section on the forms that lists other addresses - so you need to list other addresses where you have taken credit out). I wouldn't worry too much about your son's savings but as others have said they may ask that you postpone putting any money in - or any money that you do put in would have to come out of your surplus income. But make a note of it on the forms - honesty is always the best policy! Good luck and let us know how you're doing.

[stevie_H]

Ok i will do. I'm so glad i found this forum! Can't thank u lot enough for ur info.

[stevie_H]

Hi again. Right i finally filled out my statement of affairs. It saying that i have to contact my local county court now but don't i have to contact an OR? Or does the court deal with all that?

[Skippy]

You will need to contact your local county court to find out if you need to make an appointment or if they operate a walk in system. Once you have been to court and the BR has been granted the court will notify the OR, who will then contact you. Some people see the OR or speak to them on the same day - it depends on the area that you live. When I went to court the OR contacted me the next day to confirm the date of my interview.

Good luck, and if you have any questions please post them and we will try to help!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/