What happens next???

[thebear29uk]

Jane

I know this is a difficult time for you but once again I feel you are giving yourself unnecessary stress. You post questions on here in the hope of getting expert advice but then you keep choosing to ignore the advice and place your total trust in the CAB. I do understand you are scared of making a bad decision but not doing anything is prolonging your nightmare.

Melanie deals with BRs as part of her day to day tasks. She doesn't need to refer somebody's case to an expert for advice. She is the expert. Her advice is based on years of experience and even though your case is complex, I'm sure she has dealt with similar ones in the past.

Everybody on here is desperate to see your nightmare end because we can sense the level of stress in your posts.

I would email as many solicitors from the link that Skippy posted asking if they specialise in Insolvency and BR. I'm sure you will find somebody who can help. Even if its by phone or email if they are too far away.

Like everybody else I think the CAB do a fantastic free of charge service but they won't be familiar with all circumstances regarding BR. Do try to get a copy of the letter from them and then maybe you could post their findings on here for further comment.

Wishing you all the best

Dave

[Skippy]

That's really good advice from Dave. I said in my post that solicitors have to keep up to date with current case law, and the same applies to Melanie - she knows what she is talking about. If you really want further advice (and I'm sceptical about the CAB's advice) you really do need to contact a solicitor. As Dave says we can all tell how stressed you are and none of us want you to be ill.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[jane.l]

I have spoken with someone from Myvesta and the advice is basically the same as given on here, that we can petition for bankruptcy as soon as, regardless of the house sale situation

I am edging towards this idea but it will be a few weeks before we can save up for 2 lots of fees. I would like to speak to the CAB just to voice my concerns about their advice. Now, I have this letter I recieved from Eversheds saying they want £30,000 by THIS Friday or they will start legal proceedings. I have been thinking, should I write and offer a token payment to put this off until we can petition for bankruptcy or should I be paying everyone something, would the OR think I had favoured one creditor more than the others? should I pay something to all or nothing? If I do, it will just take longer to save up the fees, we have about £115 per month disposable income. How long does it take to get court papers, I thought it took months???

[MelanieGiles]

Jane

Don't worry about favouring creditors - this is the least of your concerns at the moment. Get those bankruptcy petitions in now as soon as you can afford to. Trust me this will be the start of a better future for you all.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk