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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 Brassic[/i] [br]Hi all, am new here and would like some advice... Basically, my story kind of goes back about 6 years with a credit card. I had to pay for legal fees while trying to sort my late father's estate, which ultimately ended up being absolutely fruitless - I have certainly not seen any money back from that. Then my marriage started to fail in 2004 - we had two kids, and to cut a long story short, I ended up doing my very best for them, paying for everything in our rented home while working, while the ex was basically living at home and contributing nothing. More use of both of my credit cards for living expenses. In 2007 I was made redundant - the company was moving offices and I couldn't go with them, basically as I was the kids' primary carer and I didn't want the kids spending the vast majority of their time with a day-carer and only about 30 minutes a day with me! I did land a couple of temporary roles, however. In 2008 the ex and I finally got divorced and she finally moved out of the rented home. So the last few years have been quite stressful, to say the least, and in that time I was trying to support everyone as best I could. It took its toll, and finances unfortunately took a back seat. It's only now that I feel better able to deal with things. First question is, is that likely to be valid enough reasons for declaring bankruptcy without having a BRO thrown at me? It's all true and I'm pretty sure I can back it all up with medical evidence (my GP reports, etc) Secondly, I'm also a musician, and as a result I have some musical gear. I don't think there is a single item that would be worth more than about £500, and certainly none that are more than £1k. Do I need to declare these on the forms? Or would I be better off declaring them along with a their vocational use? (I have produced my own CD, of which I have stocks, which I was hoping I could use to reduce my debt, but sadly that just hasn't happened...) And what about my other assets? Do I need to declare my TV, laptop, PC, etc? TV can be picked up on ebay for £220 (even if it IS an LCD TV), laptop probably about £175, and the PC is worth no more than £50-£60 (maybe £150 with the soundcard) at current rates... Lastly (sorry to go on!), my car. While I am unemployed, if I take the kids to see their mum once a week, it would take at least 90 minutes each way and cost in the region of £15 a time. Plus I need it to help my mum out - she had a heart attack recently I and I liek to help when I can, with lifts to various appointments, etc. It's a 15 yr old BMW 3 series, which is not exactly in the best of condition, and probably not worth much more than £600 at auction... Any thoughts, anyone? Would I even qualify for a Debt Relief Order? Could the musical gear and PC be exempt from the asset list due to it's vocational use, and the TV be classed as a standard household item? (I'm thinking about the £300 personal assets here, and my debt is at about £12k...) Thanks PS What's the OR like in Reading? Does anybody know? [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.