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Originally posted by debtinfo

Cant really say for the housing department as that is not my area, it will probably suffice for the OR.

I think this question is about the reasons you would give if you were petitioning at the wrong court for some reason (rather than the reasons for bankruptcy) and so is not applicable in your case

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quote:

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Originally posted by dave.wt1

Thanks to 'Getting out of Debt' again for your last reply. I've now got a few things I'd like to ask about completing the BR forms.

(1)For the Debtor's BR Petition at Qu'1(f) it says: "My centre of main interests has been" / "I've had an establishment at...." -----should I just leave this blank as I've never had any business dealings or does it just mean my residential address? *Yes it does, you just cross out the bits that dont apply, your centre of main interest is where you have lived for the greater part of the last 6 months*

(2)With same form at Qu'4 it says: "I have not been adjudged bankrupt.." and then lists a few other things which are not appropriate for me. The no BR before applies to me but do I need to tick it as there is no box to do so? *again just cross out the ones that dont apply*

(3)With the Statement of Affairs on Section 3 Assets, it says "Cash in hand"....do I state how much cash I have left for myself? If so, isn't the OR likely to want it? On the other hand, if I state "none" won't they ask how I plan to live until pay day? * you put down what you have athome/in your wallett, the OR wont take it unless you have a suitcase of cash under your bed, the question is primarily for businesses who might have a large amount of cash in tills/safe's etc*

(4)In Section 4 do I have to list all my bank accounts and credit card debts in this section in "list of unsecured creditors"? If so, is the date incurred just when I started the account / credit card? *Yes you list them, the date incurred will be frst when you made a large purchse that took up most of the amount for example if you bought a car on the credit card, if you only made small purchases over a prolonged period of time then just put a range such as 2005-june 2009. It is more helpfull for the OR to know when you last used the card rather than when you took it out*

(5)What about the question "what was the debt for?" What do people tend to put there for credit card debts? Is the account number for credit cards just the long 16-digit number? * well only you will know what it was used for(there is no such thing as a good answer just a true one), yes it is the 16 didget number*

(6)In Section 5.4 it asks for any bank, building society accounts to be listed here with the amount owing? Don't I have to do the same here for the credit cards or do I just list their amounts in Section 4 unsecured creditors? *sec 5.4 is only for bank accounts, bank accounts can be in section 4, 5.2, and 5.4, credit cards can be in section 4 and 5.2*

(7)I can't see anywhere on any of the forms any request for copies of recent credit card statements, only bank accounts. Is this right? * you dont need to take any statements to court, the OR will later send you a letter asking you for what they require*

(8)In Section 6.7 it asks: "how much do other members of your household contribute each month to the household expenses?" The other members are my landlord and his wife, and I live with them, paying just rent with all bills included, so I don't know what to put about their contribution and mine, come to that. * this question does not apply to them as they are not part of your household(even though you live in the same house), someone like your partner or children would be*

(9)My situation is complicated as even though my rent is up-to-date, I don't have any formal rental agreement, so won't the OR demand something to show my rent is not behind? If he/she does, can I give it to them after the court date? The form says a "rent demand will help" but what exactly is it? * The OR will write to the landlord, all the landlord needs to do is write back and say that you have a verbal agreement the amount is £££ and it is up to date, that will be acceptable*

(10)Since I filled out the form and got my last wage slip 2 weeks ago, I've been given an increase in hours and therefore salary but it still does not exceed my limit for getting a full fees remission, so do I need to tell the OR this? * you need to put your wage on the form as it is now*

If any of the experts could help with these queries, I'd really appreciate it.

Thanks again

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