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| dreamcatcher73 |
Posted - 24 February 2009 : 20:45:23
I have an appointment tomorrow for my bankruptcy hearing and there are two things really concerning me.
Firstly, as a bit of background, up until September 2008 I was married and working full time, I developed a gambling habit and some of my debt is due to this. Unfortunately my marriage broke down and as a result my husband moved out and I had to give up my job (I have three children).
I have £27,000 of debt, £10,000 of which is joint with my husband. Now surviving on benefits I cannot afford to make the payments on my debts and have been advised by two debt advisory companies that bankruptcy was my best option.
My questions are this, firstly I have been given money by friends and family since my separation to help with paying bills, which has been paid into my current account - will the OR question this?
Secondly I did something really stupid in January and applied for a payday loan for £130, even though I was no longer in employment, I was desperate at the time, although I know this is no excuse. I'm guessing this will be viewed as recieving money fraudulently and I want to know what action will be taken against me?
To be honest my life couldn't get any worse, so whatever they do I will accept as my fate, as I got myself into this mess I only have myself to blame. I just want to be as prepared as I can be
Any advice gratefully recieved |
| 2 L A T E S T R E P L I E S (Newest First) |
| wellerchic |
Posted - 24 February 2009 : 21:28:07
Good luck for tomorrow
G xxx
There is light at the end of the tunnel, hopefully I will find it soon !! |
| hanlou |
Posted - 24 February 2009 : 20:57:27
hi firstly good luck for tomorrow you will be fine i went br last month was not as bad as i thought it would be in fact everyone was really nice even the judge and with family and friends giving you money dont worry my mum and dad helped us loads and that hasnt been brought up and your payday loan at the end the of the day you are a desperate mum with three kids and it is very small amount i am no expert but try not to worry once you get tomorrow over you ll feel better all the best hanlou x |
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