Thank you so much!!! I don't want to be mushy but i'm sitting here crying with relief at the moment. I feel privileged to have discovered your site and the advice within. This is so much better than lying awake most of the night trying to work out what will happen when i don't have a clue, once again thank you!! xxxx
We are all here to help you Kirstie, and are glad to be of some small assistance at such a difficult time for you and the children. Keep strong because they need their Mummy at the moment.
Have your holiday but don't run up any more debt on your credit cards.Have a chat with a good IP (visit www.iva.com for reviews of suitable persons). Need to establish in whose name the debts are and if there is any equity value in your home. Take all of the household and white goods and move into the rented accomadation. Good luck
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
after reading your post yesterday i have been thinking about you a lot over the last 24 hours. you will get through this, be strong for your babies they need you!
keep on posting we are all here for you, alot of us have been in financial difficulties and so understand a little, obviously you have got other problems too - but there will be a light at the end of all this - if you ever need a shoulder to lean on - we are here!
enjoy your holiday and like others have said contact a professional to get some advice - you are facing things and so be proud - you have overcome a massive hurdle already by starting to get things sorted!
My philosophy is that things happen for a reason and we have all been there. My husband and I divorced because of the stress of everything but we managed to remarry when we got things sorted. things may seem bleak at the moment and I have been in the depths of despair but having good support is a godsend. I have entered into an IVA and its honestly the best thing I ever did. My advice would be to see the positive in any situation - a chance to change your situation. Speak to a couple of practitioners and go with who you are comfortable with. They will be looking after you for a while. You will come out the other end of this a wiser person and who knows what will happen in the meantime.
Hi again.
I just wanted to say have a great holiday and a break from all this for a few days. Just to echo everyone elses words, we are always here even if you just need a chat.
Dear all, thank you so much for advice received last month. I really appreciated it. I haven't been able to post recently as have now moved into my new rental house and husband has the computer!! My bankruptcy date is now set for Dec 31st (i'm looking at it as a positive omen for 2009!!) Quite scared on the whole but coping very well. I'm very worried that the receivors will expect me to pay alot back afterwards. income of £2000 a month and 2 children? My husband also thinks that we will still be liable for the shortfall on the mortgage and homeowner loan after bankrupty???? I do keep thinking about my future, will i ever have one again?? is any man ever going to look at a woman with 2 children and a bankruptcy order!!!!
You've done great so far, so keep going. I'm sure the OR will be fair, so please don't let it spoil your Christmas.
I don't know the answers to your questions but wanted to re-assure you, that you will find someone special one day. Remember you want always be BR and I don't believe that would put anyone who truly cares for you off anyway.....
Give yourself time to adjust to your new life and look forward to 2009.
So nice to see you back. I left my hubby with the clothes I stood up in, three small children and a newborn baby. I rented too. Its a scary thing to do but I think life gives us the strength to cope. Someone said to me, dont worry about men, find yourself first and when youre secure on your own, you can think about putting yourself on the menu.
Dont worry about the BR either, its just a tool that your using to free yourself of all this stress. The fact that you have come this far and done this much on your own, shows what a strong person you really are.(even if you dont feel that you are right now).
Look after yourself and the children and move on now hun, your happy times are not behind you, they are still to come. Youre very precious and someone will see that. I think you have done so well so far. I know the BR is a bit daunting now, it will be all over soon and you will be debt free.
Good luck hun.
Lots of love and hugs.
Last edited by freelili on Mon Dec 01, 2008 2:41 pm, edited 1 time in total.
Dear all, once again thank you so much for your support. My BR was on Dec 31st, it wasn't as terrifying as i thought it would be and the OR's have been very good- I don't have to pay back anything. I didn't think that i would actually come out the other end of this smiling, but i can now see the light at the end of the tunnel. xxx
