I have just been discharged from bankruptcy

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Liz21

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Post by Liz21 » Mon Jan 04, 2010 8:52 pm
I have just been discharged from bankruptcy and wondered if anyone could help me with a couple of things.
I am currently unemployed. Now I have been discharged, do I still have to tell my trustee when I (fingers crossed) get a job & will I have to pay towards my debts if I have a surplus of £100+?
What do I do if my creditors start to chase me again?
I am still obligated to co-operate with my trustee. What does this mean & how long do I have to co-operate for?
It's all quite confusing?
Thanks
 
 

Shining

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Post by Shining » Mon Jan 04, 2010 8:54 pm
Hi Liz21 and welcome to the forum, I unfortunately do not have the answers you're looking for but welcome you personally and reassure that someone who does have the answers will be along very soon.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Max

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Post by Max » Mon Jan 04, 2010 9:08 pm
If Skippy picks up your post I am sure she will be able to help having been through the mill herself
 
 

MelanieGiles

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Post by MelanieGiles » Mon Jan 04, 2010 9:11 pm
If you have been discharged from bankruptcy you no longer have to dislose details of your income to your Trustee - and creditors will not chase you as you are now discharged from your debts.

I hope you manage to find a job soon.
Regards, Melanie Giles, Insolvency Practitioner
 
 

kallis3

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Post by kallis3 » Mon Jan 04, 2010 10:54 pm
Congratulations from me as well.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Liz21

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Post by Liz21 » Tue Jan 05, 2010 6:54 pm
Thank you for all your comments. You've been a great help. I've got a good feeling about 2010 as it's started off so great.

Happy New Year to you all.

xx
 
 

Julie

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Post by Julie » Tue Jan 05, 2010 7:25 pm
Congratulaitons on the discharge Liz - hubby was discharged in November so know how you feel [:)]

Read Skippy's blog, there's some excellent advice on how to update your credit file etc post BR.

Good luck in finding a new job too xx
 
 

stressed1

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Post by stressed1 » Thu Jan 07, 2010 11:10 am
I was discharged in October of last year and I literally cried with joy. Then I got a job the following week!
Its a wonderful feeling to have my wages to myself and not have to disclose spending to anyone and actually be able to save money and treat myself
I actually found B/R no where near as painful as I thought it would be and its nice to know I am free to get on with life with no restrictions
 
 

Skippy

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Post by Skippy » Thu Jan 07, 2010 11:26 am
Congratulations Stressed1, that's really good news xxx
 
 

Shining

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Post by Shining » Thu Jan 07, 2010 1:36 pm
6 IPA payments Skippy to go, you're on a downward slope now x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

kallis3

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Post by kallis3 » Thu Jan 07, 2010 2:04 pm
Nice to see you stressed1, so pleased that everything is working out ok for you and that you have a job.

Perhaps you should think of changing your name now?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

markss

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Post by markss » Fri Jan 08, 2010 12:47 pm
Hi Liz great news for you I guess now your debt free. have you a email contact I can email you with BR may be a possible option for me but wanted to find out from your experience what happens.
 
 

Skippy

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Post by Skippy » Fri Jan 08, 2010 1:06 pm
Hi markss, if you have a look at the blogs there are a few from people who have gone BR (including myself) and you'll be able to find a lot of information there.

If you have any questions about BR please post them and I'm sure we'll be able to help.
 
 

Julie

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Post by Julie » Fri Jan 08, 2010 2:45 pm
Great to hear you're doing so well Stressed1.....mmm a name change due I think [:)]

Marks - take Skippy's advice and read some blogs or post your questions.You'll find a lot of experienced posters here with BR knowledge, so we'll be able to help you I'm sure.
 
 

Shining

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Post by Shining » Fri Jan 08, 2010 3:07 pm
Mark Skippy's blog is very informative, I'm not bankrupt but put my mind at rest when I thought for a moment I was going to declare bankruptcy.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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