www.iva.co.uk

Posted: **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

Posted: **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.

Posted: **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

Posted: **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.

Posted: **Mon Jan 04, 2010 10:54 pm**

Congratulations from me as well.

Posted: **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

Posted: **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

Posted: **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

Posted: **Thu Jan 07, 2010 11:26 am**

Congratulations Stressed1, that's really good news xxx

Posted: **Thu Jan 07, 2010 1:36 pm**

6 IPA payments Skippy to go, you're on a downward slope now x

Posted: **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?

Posted: **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.

Posted: **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.

Posted: **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.

Posted: **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.