Thats what I thought too. Whats the worse the OR could do?

Well I only work in the shop 2 days a week. I used to have a pt job for the other days but had to leave. So I am looking for another pt job for the 3 days a week im not in the shop. I don't take any money from the shop as it's in its 1st year and is not yet in profit.

Will the OR ask for back statements for my credits cards and bank statements? What if I don't have them? Also, I know its not ideal, but I have an appointment at the courts in 2 weeks time to go bankrupt, but can I still use my cards until then? Will the OR expect me to have not been using them for ...

What happens regarding utility bills after I got bankrupt (to the ones I have included in the bankruptcy and ones I haven't)?

my dad gave me the money rather than lent me the money ( I now realise that I previously wrote that I borrowed it from him). Would I still have to list him as a creditor? Someone told me that when I go bankrupt that I will have to switch all the utility bills into my partners name. Is this necessary...

Thanks for the advice Darren, well we rent, and the business is only worth £2000 in total. So if I said I had walked away, it would have been for £1000 anyway. I did borrow the money from my dad to set it up in the first place. Someone else told me that they probably wouldn't bother touching the sho...

Hi, Thanks for all your advise so far. My loan with HSBC is actually £15000 but they have put PPI and interest on top which increases the figure. Does the fact that it is a bit less affect how much I need to pay? (i.e the £360 figure you mentioned) I have an appointment at my local CAB to apply for ...

Hi, no the bank accounts are with HSBC and as for credit cards, one with Egg and one with Tesco.

the reason I would get my other half to employ me would be because I was informed that I couldn't have an IVA if I didn't have a job. i.e no income = no payments for the IVA. but I was wondering if i could be employed by my partner to use my wages from that for the IVA.

Also, as I would prefer to have an IVA yet can't find a job, can my other half 'employ me'? How much would I need a month in order to probably be accepted for an IVA? I heard the minimum is about a disposable income of £75. As we share the house bills (and he is paying them all anyway at the moment)...

Your partner is definately not responsible for any ongoing loan repayments if he is not party to the agreement. Are you sure that he has not stood guarantor for you at all? He is definately not involved. He wasn't there when I took the loan out. Funny thing is, the only reason they gave me the loan ...

HI, I am in debt by nearly 35k. 25500K personal debt with HSBC £1000 overdraft on sole account with HSBC £2000 overdraft on a joint account with HSBC £4000 credit card £2500 credit card We have now opened another joint account with a differnet bank which is barely in credit at the end of each month....