so as my wifes debts are in her name and mine are in mine we both have to pay £495 each to go br.She has no income on 12000 debt and i have an income of £1100 per month to pay rent,council tax and general living, with debt of £26000 i would assume that i would not get an attatchment of earnings.

if going br can tax credits and child ben be taken into account of income?

your not stepping on anyones toes all the help is welcome thanks..

i have contacted CAB ref br and got appointment to c them.Then got to contact court for paper work,so the ball is rolling towards bankruptcy.Thanks for all your help i will let you know how i get on...

melanie as i have informed the ip that my income has decreased my surplus is lower than the current monthly payments. the customer services have told me that they will have to hand the info to the tech review team this could take upto 3 months.so i could of gone into default by then couldnt i?

thanks for the advice its all appreciated

thanks jan that has helped me alot.one more for you do you know if they take your tax credits and child ben into account in br as that is £770 of the £1779 income i have.

just spoke to ip ref income and expenditure. No chance of increasing exp so my surplus is £175 per month,less than the £267 they require.If i apply for br i pay the £495 do i pay any other costs?They are going to do tech review of my situation but could take 3 months,any surgestions?????????

so the big question do i default and then file for br or do i inform the ip and take it from there?

i rent my house and we have a ten year old car.So not a great deal to shout about

if the price of living has increased which i would say that it has am i entitled to add more to my allowence for food,fuel ect...
If this is the case having worked out the income to out going my left over income would be 10 pounds per month.what would you advise?

can i approach the ip for this review?

what would you recomend????

company loan was 6 weeks wages for changing from weekly pay to monthly pay repayed in 24 payments ,no intrest.The baby is 10 months at the mo but the likley hood of returning to work is remote due to child care costs.The ip was informed of this at the time of proposal.

month 1-3 £725 initial contribution
month4-7 £267 mat ben ceases
month 8-30 £290 company loan repaid
month 31-60 £748 wife returns to work
This is the 60 month break down