My husband and I have our appointment at the court on 4 th July - do we need to state the full amount of each joint debt on both of our forms or should we divide this between the 2 of us (listing half each on our own forms).
Also, do we only include bank accounts or credit cards that are still open, as we have been making token payments for some time and all most our cards and accounts have been closed (although there is still money owning to them).
Also, does any one know how long they freeze you bank account for - we already have a Co-op cashminder account?
You need to include the full amount of the joint debts on each application form, as you are both technically responsible for paying the full amount under the principle of joint and several liability.
All accounts whould be listed whether they are open or closed. Your bank account could be released on the same day as your bankruptcy, so long as the OR and your bank both agree to this.
For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com
filling in bankruptcy forms for joint debt queries
Posted - 10 June 2008 : 23:39:03
