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Niobe
Administrator
United Kingdom
4590 Posts |
 Posted - 24 May 2012 : 18:21:50
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Year2029 - that may have happened when you did yours but things move on and if you read a lot of the posts on here an awful lot never see a judge.
Good idea to remove the judge - it doesn't take much to rubber stamp a petition.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
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year 2029
Average Member
590 Posts |
Posted - 24 May 2012 : 19:01:36
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I guess it depends where you're located.
I'm not sure personally I agree with 'rubber stamping'.
Knowing you are going to see a judge adds weight to the severity of the decision you are going to make.
Its also supposed to be the judge agreeing that there is no other avenue for you to take. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 24 May 2012 : 19:05:25
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I don't agree with that - for some people the thought of actually being in a court may well put them off seeking bankrupty but the fact that someone at the court will look at the paperwork and decide that they have done everything necessary before arriving there will be enough.
I think everyone knows how severe the decision is.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 24 May 2012 : 19:05:37
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I don't agree with that - for some people the thought of actually being in a court may well put them off seeking bankrupty but the fact that someone at the court will look at the paperwork and decide that they have done everything necessary before arriving there will be enough.
I think everyone knows how severe the decision is.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
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year 2029
Average Member
590 Posts |
Posted - 24 May 2012 : 19:15:02
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Well, I disagree with you.
Bankruptcy is a last resort, not a quick fix.
I think the current system isnt too bad overall.
We are all entitled to our opinion. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 24 May 2012 : 19:20:13
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I have never said, and will never say that BR is a quick fix.
It's a last resort when all else has failed or it's the only option available to people for whatever reason.
I see no problem with people not having to see a judge.
As you say, we are all entitled to our opinion.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
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year 2029
Average Member
590 Posts |
Posted - 24 May 2012 : 19:27:59
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Have I hit a raw nerve with you or something Niobe??
I never said that you said it was a quick fix!
Seeing a judge didnt bother me (first time I've seen one, incase you're wondering I'm used to it!)
Everyone else who saw the judge the day I did were ok with it, although aprehensive before going in.
PERSONALLY, I feel that it should stay.
'Rubber stamping', is generally never good in my opinion. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 24 May 2012 : 19:32:55
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You've not hit a raw nerve at all, just wanted to clarify the point in case anyone thought I had suggested it was a quick fix.
Seeing a judge wouldn't bother me but I know it is a daunting experience for a lot of people and they are terrified of the thought.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
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year 2029
Average Member
590 Posts |
Posted - 24 May 2012 : 19:36:25
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Ok, fair enough.
I think being worried and cautious about seeing a judge is a good thing, and may help to get people to see alternative to bankrutpcy.
It took me a long time to realise it was my only serious option, adnd knowing I'd see a judge and the OR made me get everything in order (paperwork etc), that I could be before filing.
I suppose the bigger the build up, the greater the relief? |
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debtinfo
forum expert
2826 Posts |
Posted - 24 May 2012 : 19:38:42
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quote:
Originally posted by year 2029
Everyone else who saw the judge the day I did were ok with it, although aprehensive before going in.
PERSONALLY, I feel that it should stay.
'Rubber stamping', is generally never good in my opinion.
This is a slightly odd conclusion, because the ones that would have had a problem wouldnt have been there.
Its a bit like saying that all people can climb everest because all the people that i met at the top had got there no problem.
In any event it would not be rubber stamping as an independant person appoint by the government would still have the job of looking at the applications and could still turn them down if there were irregularities |
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year 2029
Average Member
590 Posts |
Posted - 24 May 2012 : 19:41:41
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So you're saying that if you need to go bankrupt, but dont want to see a judge you wont go bankrupt??
quote:
Originally posted by debtinfo
quote:
Originally posted by year 2029
Everyone else who saw the judge the day I did were ok with it, although aprehensive before going in.
PERSONALLY, I feel that it should stay.
'Rubber stamping', is generally never good in my opinion.
This is a slightly odd conclusion, because the ones that would have had a problem wouldnt have been there.
Its a bit like saying that all people can climb everest because all the people that i met at the top had got there no problem.
In any event it would not be rubber stamping as an independant person appoint by the government would still have the job of looking at the applications and could still turn them down if there were irregularities
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 24 May 2012 : 19:46:48
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I don't think that is what is being said at all.
People may be worried about seeing a judge but if this is a last resort they will do it.
It is a very serious step but I personally think it should be made as painless as possible. You will suffer repercussions for years to come as it is.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
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debtinfo
forum expert
2826 Posts |
Posted - 24 May 2012 : 19:52:20
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let me tell you a true story and part of the reason why i started posting on boards like this to provide clear information on the reality of what happens in bankruptcy.
As many people know i used to be an examiner for the OR's office, one day we came out of a meeting to be greeted by a couple of police officers, The reason they were there is that a colleague of mine had been mentioned in a suicide note. The person in question had been in debt for a long time but had been avoiding contact by all her creditors, she thought quite wrongly that she would be sent to prison if she went to the bankruptcy court. A creditor made her bankrupt in her absence and the case was assigned to our office. Many letters were sent to her asking her to contact the office to discuss the bankruptcy which she again ignored. Eventually a public examination in court was arranged and the terms of which are that if you ignore those letters you can be arrested. not to be put in prison but simply to be brought to the court. After receiving that letter she hung herself.
So as you can see whilst it may be irrational when you know the facts of what actually happens some people really are put off from seeking the protection of bankruptcy because it involves a court appearance |
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year 2029
Average Member
590 Posts |
Posted - 24 May 2012 : 19:52:26
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I agree,seeing a judge is a last resort.
Going bankrupt is a last resort.
It shouldn't be thought of lightly.
Bankruptcy is different for everyone.
A certain amount of 'paying for ones mistakes' is inevitable.
Having said that, it is in place to let people have a 'second chance', and to encourage entrepreneurs.
quote:
Originally posted by Niobe
I don't think that is what is being said at all.
People may be worried about seeing a judge but if this is a last resort they will do it.
It is a very serious step but I personally think it should be made as painless as possible. You will suffer repercussions for years to come as it is.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 24 May 2012 : 19:58:06
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That's a very, very sad story debtinfo.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
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Court tomorrow and need urgent advice!
