i am considering bankruptcy, i have a car chich i use with my mum, will the car be taken even though it is not in my name, although i do use it quite a lot. also i have a tv which was bought on hp for my parents as a gift. would this be taken too as it is not mine, although i have paid for it but ha...

hey skippy,thanks for that. i know its all my fault for getting into debt and an expartner.
however i'm glad i'm sorting it out somehow!!!
just read ur blogs. i'm very happy for u, i just can't wait for the day that i am debt free.

is going bankrupt ever declined by the judge???
its a weird question!!
i'm in iva and have sent more paperwork to my supervisor as i need to reduce my payments. if this does not work then i will be going bankrupt,
i'm just not sure if a judge can not make u bankrupt

thankyou melanie,you have been very supportive ever since i came on this site, just over a year ago.

i am going to have to move out of home, at present i pay very little housekeeping, when i move out rent will be at least 3 times what i pay. so am quite worried also my iva says i can not have any variation in 24 months so i don't know what i'm going to do

i have been in an iva for 1 year now, it was going fine, however now my circumstances have changed i will have to pay much more towards rent and other household bills, am i able to go bankrupt whilst in an iva, i have no assets. my only concern is that i no longer have any credit card statments, or ...

i just looked at my proposal and it says that i will be making 60 months payment of my monthly amount, and it says any variations will take place after 24 months so i'm confused.

hi i'm in an iva with clearstart, its going really well, i'd just like to know what documents will i need for my annual review, like how far bank statments and payslips, anthing else? coz i have a tendency of mislplacing things. once again the support available on this forum is unbelievable i don't ...

hello again, i just opened a halifax basic account, you get a cash card first and in 3 months they give you an electron card, the halifax basic account with no frills, doesn't do a credit check and has online banking,you only can't open one if you have been made bankrupt. thanks again for making me ...

sorry just read the above

hey juditka, has first direct contacted you regarding closing the account,i've just entered an iva and opened the acct before any iva paper work was submitted, i'm worried they want to close my account now

i would just like to say that my iva was accepted today!!!!!! i feel like a load has been lifted off me!!! thankyou to all of you that have been there for me since i joined this site. i found out that only people that voted was natwest and mbna and no one else bothered!!!! i do feel extremly relieve...

thanks everyone, it makes me feel so much better i have someone to chat to, i'll let everyone know on thursday what the outcome is.

My date is getting closer and i'm feeling really nervous, how long would it be after the meeting that i find out if it has been approved or not? I just want this over with, its getting me so down, also that i'm paying 62p/£1 i am now feeling that may work against me!!!! i wanna cry

i'll do that maybe i should just take phone of the hook then forget about it!
thanks again for eveyone here i'll let you all know what happens on the 8th!