well we have set up our co op cash minder account. Have rung bank and are waiting on all the bank statements to arrive. Hoping to go bankrupt at end of february so fingers crossed nothing pop up to slow things. Only one major problem. Our computer has died using phone to post x

thanks kallis. nice to hear from you. hope you are ok. x

thanks lesley. we are trying to live on mega tight budget in order to save for bankruptcy. probably going to be in OD by about £200 but i cant do anything about it. we have already had to cancel xmas presens this year. hope you are well .

hi i just have a few questions regarding bankruptcy. I do not have al the documents that you require to have. I do not have 12 months of statments and i do not have any paperwork from creditors anymore. I have a few statments and a list of all creditors and how much we owe. do not want to get there ...

hi there. I was wondering if someone could tell me what a Debt Relief Order is. I got a cold call from a company today stating that 100% of debts can be written off in a year. obviously this is to good to be true but couldnt understand what they meant. x

thanks guys. i just rang the co op and going to ring in morning and set account up, cant face doing it tonight. does it matter that once it is set up i wont be using it for a while. probabaly a month or so.

Hi all, another question i am sure you can answer. Can you open a joint CoOp cashminder account. my partner and i are going bankrupt and want to sort a new bank account out immediately. x

just thought i would update you. recieved email from paul today and hoping to speak to him later on today. thanks for advice x

thanks andy. I have jusy emailed him kallis, guess i probably wont hear anything from him tommorow. thanks for giving me his details. be good to have a bankruptcy expert teling me what to do x

thanks kallis i shall do that tommorow. do you think he will just mind me ringing him when he does not know us?

still quite stresful at the moment because we are worrying how to save up the fees without using any credit but really we are in same boat as iva until we have saved the money. Wish i could speak to a bankruptcy expert to realy know for sure whehter we can use it or not. also hunting for somewhere e...

yet again kallis to the rescue. [:)] hope you are wel x

hi all, just thought of another question that i do not know answer to. we are soon going to be going bankrupt after letting iva fail. was wondering what happens to small amounts of overtime that are earnt whilst in bankruptcy. only looking at about £50 for a one off month over xmas. thanks x

thank you for all your replies. much appreciated x

hi everyone , me again. Just trying to work out my budget for bankruptcy guidelines. Come to a section on pets. I have one cat, her insurance will i will be setting up any day is £10.52 a month (very steep) and she needs flea treatment every month. Its costs £15 for 3 months worth iof treatment. Is ...