Thank to you for the support, it has not quite sank in yet. I have my interview with the OR on Wed 20. I am now trying to sort out a new account with the Co-op Bank, the application has been approved by telephone, the problem is getting the branch to send through my proof of ID, which I have already...

Dear All,

I am now official bankrupt as at 3pm yesterday and now waiting for call from the receiver to sort out my finances. Thank you all for your advise and very helpful insight into the dos and don't.

Hello everyone, sorry I missed the post becos I was still looking at the first page. I have now looked at the second page and seen the answers I asked for. Even though I have not started the BR yet, I stress levels are really going down now. I have started filling out the forms online and hopefully ...

I have just registered with govt insolvency website, where I can fill out the forms online and print for submission with guidance on. Can someone please tell me how much I am expected to pay at court and also I live in westminster, central london. My problem is by time I get home from work all these...

Thank you all for you advise and support. I have just registered on the government insolveny website, where I can download and complete the forms. How much money do I have to pay at the courts when I appear before them.

Thank you very much Melanie, I think I am going to go ahead with BR. What is my next step and crucially what about my bank account, I have one current account

Thank you very much, BR is already looking more appealling, honestly I have not spoken to anyone about this apart from my IP who was not much help. I read the small print of my dmp and it will taking me 32years (@ £220 per month) to pay everything off with no guaranttee of the interest being frozen,...

Hello I don't own a home or anything, I am just worried about my employer finding out about me being bankruptcy and any future implications. I don't work in finance or anything just in administration. After reading stuff on the net, it looks as if it the worse option. I am open to suggestion

One of the reasons why my IP did not want to extend the IVA was becos, paying £330 was really putting me on a very tight budget with nothing for contingency and with a baby, it was too risky (which I do appreciate). So asked if I could pay £280 and then they can extend it a year or two, which she sa...

Thank you very much for the advise, I have gone down the route of dmp becos I don't want to go the bankruptcy route. I asked my IP if it was possible to extend the IVA for maybe a year or two and they said no becos it would not be cost effective, which i found very strange

I started an IVA in 2004, and became a single mother in 2005, I have been duly making my payments, but I am now struggle to make the payment (not missed any). Was paying initially paying £540, but now really scrapping the barrell to pay £330. I have asked to consider bankruptcy which I have refused ...