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Posted: **Sat Aug 16, 2008 1:25 pm**

hiya i owe 13,000 to a loan and credit card i recently had to leave my job and home through a family crisis in am on job seekers and dla,dla high care and lower rate mobilty i will be chabging jobseekers to income support soon as am 6 month pregnant on my own i have been told to go bankrupt can my creditors demand my dla as payment for debts would a j udge count it as disposible income as i have been told its not means testid and but they shouldnt will i have toprove what i spend it on if i devcide to claim bankruptcy

Posted: **Sat Aug 16, 2008 1:31 pm**

Hi Stacey ... welcome to the forum. I can't personally answer your query but there are may on here who can. I'm sure one will be along soon.

Posted: **Sat Aug 16, 2008 2:47 pm**

Hey Stacey, welcome to the forum. I'm really sorry to hear that you're going through this on your own. We are all here for you on the forum and you will get great advice and support here. I would have thought that you will not have enough disposable income to warrant an Income Payment Agreement but I'm not a BR expert so please hang in there and someone a bit more in the know will be along to help you. Keep posting and have a look at our sister BR site too www.bankruptcyhelp.org.uk X

Posted: **Sat Aug 16, 2008 2:48 pm**

Your DLA would not be taken into account for the purposes of an Income Payments Agreement, so I do not think that you would be required to pay anything under bankruptcy proceedings.

Posted: **Sat Aug 16, 2008 5:09 pm**

hi stacey!

a big welcome to the forum from me too! i am so sorry you are having a rough time at the moment, i am not a expert and so cannot advise you but everyone is lovely on here and will help and support you whichever way we can, so please dont think you are alone!

love barb x