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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by dreamcatcher73[/i] [br]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 [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.