Hi Melanie, I understand that aspect because obviously the OR will want to contact us in the future for reviews etc., but IF we have gone bankupt in our current property is the OR obliged to tell our new Landlord? Also, because my partner is self employed is it more advisable to get professional hel...

Also, whn we move to the new address will it be diffcult for us to get a landline phone and broadband with us being BR?

Helen x

Hi thanks for your advice, its just that I don't want the new Landlord to know about the bankruptcy as he was very weary about us renting because my partner is self employed so we had to get a guarantor in order for us to get the property in the first place. I think perhaps we'd be better to do it j...

Hello, we have got a private rented house to move into by the 20th of July and we are going bankrupt, I just need some advice on whether it is better to go br whilst we are still in our own property or after we move? We have already got 2 months behind in our mortgage so they will be statrting repos...

Hi all! Just would like to let you know that i've hopefully got a private rented property and we will be moving in in 3 weeks so i will be busy busy busy! Ive had a phone consultation with the Consumer Credit Council and they sent me the results of their findings so we will be filing for bankruptcy ...

I didn't think today could get much worse, I'm supposed to be alseep as im on nights and back to work tonight :( First i got home this morning and broke a tooth on a piece of toast so been in agony all day, cant go to th dentist as a) i have to wait in for a delivery of my cooker and b) i need to sl...

i'm with the Northern Rock too !

i really liked Jodie as a person, but I thought Jessie had that right image for Nancy, was gutted when she didn't win :( and even more shocked at Britain's got talent outcome! I loved George, but will he now be able to perform on the RV show now hes got this spine condition?? I hope he doesnt jeopar...

Well our house is on the market, very little hope of selling it atm and i've lost heart in it as I know when we go bankrupt we will lose it anyway, so maybe i should take it off the market. The neighbours have stopped talking to us because they are worried they will get bad neighbours when we leave?...

I really feel strongly that the "Powers that Be" who stipulate these figures for essential things like food should try and feed a family on the amounts they say we need to have to cope with! Having got a 13 yr old son whoeats as much as his dad, i feel i'm actully feeding 3 adults not 2 and a child!...

My partner's mobile died and hes still on contract so i brought him a CHEAP PAYG phone to put his sim card in and told him it was an early father's day present, he was well chuffed! People do understand when you are struggling its us that feel the guilt but the words "It's the thought that counts" c...

i dont like Big Brother either i'm afraid but I think that when you go Bankrupt or enter into an IVA the IP or the OR are like BIG Brother in the sense that we have to tell them everything to do with our financial lives before and after the situation LOL

Hi Paul, i understand fully what you are saying, i'm just trying to see the best way to deal with this for all of us as its a lot to get our heads round at the moment! If you can give me a ring BEFORE you come up here on Saturday as we need to talk you again about things and its a long way for you t...

Hi Chris, I understand what you mean - to go private rented with even a bad credit rating before BR we'd need either 6 months rent in advance or a guarantor so during a BR order would be virually impossible! To rent a 2 bedroomed house around here would be at least £500 per month so that £3,000 plus...

Hi all, well last christmas was extremely tight for me as i have 2 birthdays the 28th and 30th of Novemeber (my partner and my son) and my grandaugher's the 9th of Decemeber then Christmas, so I explained the situation to my friends at work and said i simply cant afford to "Swap" presents this year,...