Thank you all so very much for all your words of encouragement and advice.

This site is quite simply amazing and thank you all so much for your help.

I'll let you all know how I get on with the BR and the job hunting.

ALl the best,

David

Many thanks to all for their kind words of encouragement and advice.

I do believe that experience counts for a lot, so hopefully my bankruptcy will be a new beginning in more ways than one.

Thanks again for all your help and I will keep you all posted on my BR and the job hunting.

David

I am currently unemployed and about to go into Bankruptcy. If I wanted to retrain in debt advice / insolvency (previously in sales), what courses would be the best ones to consider and would a BR order prevent me from entering accountancy / insolvency as a career. Thank you for any help you can give...

I just wanted to add that I have spoken today with Paul at revivauk.com who was a fantastic help. This guy really knows his subject and if anyone is contemplating BR they would definitely benefit from a quick chat with Paul. His details are on the "Experts" link on the left of the forum and the advi...

M.29, I am in a similar situation and I'm currently considering BR. I can say that the best advice I was given was to speak to an Insolvency Practitioner to get a FULL understanding of my options. From my own personal experience and for a completely non judgemental, professional and clear unbiased a...

Jan & Skippy, many thanks for the advice.

David

Hi All, I am researching my options regarding going bankrupt but am unsure on how to best handle my existing bank accounts and which ones if any would be closed. I currently have 3 bank accounts: A/C 1. Barclays Current Account linked to and part of my mortgage (offsett) this account is £28k overdra...

Hi All, Yes a HUGE BIG THANK YOU!!! to Melanie as she has been wonderful in helping me understand my options based on my current situation. If this changes then I will have other options to consider too. Melanie really helped me understand all my options and I was truly humbled by her kindness, prof...

Hi All, Yes a HUGE BIG THANK YOU!!! to Melanie as she has been wonderful in helping me understand my options based on my current situation. If this changes then I will have other options to consider too. Melanie really helped me understand all my options and I was truly humbled by her kindness, prof...

Thanks Melanie, I am out during the day but will be back home by 6.30 tonight.

Looking forward to discussing my case with you then.

Many Thanks,

David

Hi Melanie,

It would be great to discuss my case with you this weekend, Saturday evening would probably be best for me or Sunday morning.

I'll look out for your email.

All the best,

David

Hi Melanie,

Many thanks for the good advice.

I understand from Tina that my case details have been forwarded to you, hopefully I will get to discuss my situation with you soon.

All the best,

David

Hi Julie, Thanks for the reply. Yes the property is in my name only so I would have to put 100% of any equity in to my bankrupt estate. When you used a forced valuation did you have to offer several valuations and were they arranged by you (IE. local estate agents)or the OR? No problems on the dupli...

Hi All, I own a house with approx. £20k ish of equity based on current market values in my area. House worth £210k / secured debt £190k. I have unsecured credit debt of £125k I am currently on benefits after losing my job but I also receive interest relief payments so I am able to meet my secured de...

Hi All, I own a house with approx. £20k of equity based on current market values in my area. House worth £210k / secured debt £190k. I have unsecured credit debt of £125k I am currently on benefits after losing my job but I also receive interest relief payments so I am able to meet my secured debt m...