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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 donememoney[/i] [br]As of Today I am a discharged bankrupt and wow how tha year has flown. I would advise anyone who is worried and losing sleep/ sanity to seriously consider BR as an option just over a year ago I was suicidal with worry and received around 20 threat letters a day. Now I get none and when the odd collections agency does contact me with a veiled threat of one kind or another , the feeling telling them to "S-d off " is one of the best in the world. I do however had one question for the team..... Since declaring Bankruptcy my BI was purchased by my wife for £1 and she is now the sole owner of the house. Our Mortgage thanks to interest rate cuts has gone from £1278 per month to £255, yes £255 per month thank to being a tracker with C& G (Oh how Lloyds, C & G owners must hate me) as they lost £41K BR!. We still have a Joint Mortgage and are not in any form of arrears at the moment. I no longer live with my wife for vairious unrelated reasons. I have tried to get removed from the Mortgage as a Bankrupt but C & G refuses to do this. If in the future the mortgage falls into arrears, will I be liable for any shortfall as I have nothing to do with the house any longer and the debts etc were pre Bankruptcy. How can I get removed from this joint mortgage when I am no longer any part of living in the house and have no equity in it? Advice would be very much appreciated. [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.