My creditor to who I owe £10,000.00 want to make me bankrupt. I am opposing the bankruptancy on account of unreasonable refusal. Because I have offered to pay up to £450 a month, have the debt secured against my home and pay an intial deposit of £1000. I have submitted a notice of intention to oppose bankruptancy, but the court office was closed when I went in of Friday, so the court would have received that form today. The hearing is this Friday, so that's not the 7 days notice that they wanted. I have also submitted it to the opposition solicitors. What happens at the bankruptancy hearing? Do I need a solicitor? Could I take a family member to help me present my case? Are the judges friendly or what? I'm really worried about this. Would the judge be annoyed that I didn't sent the notice of intention to oppose at the right time?
Thank you for all the advice and help guys. I really appreciate it. The judge has ordered that they creditors accept my proposal of paying a initial sum of £1000 and then £450 per month afterwards. Better than being bankrupt I guess. Thanks again for all the support guys!