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andrew.m
Junior Member
United Kingdom
335 Posts |
 Posted - 30 August 2008 : 18:53:24
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with regard to credit prior to BR, i have used me cards this month to purchase mobile phones (i trade on ebay,2nd job), i was in hospital at the beginning of the week with pancreatitis (sic) and the doctor told me i had to quit my secong job (ebay) as i was to have no stress, this income paid my CC debts and as i mentioned earlier i will now have to seriously consider BR.
how should i proceed with the OR.
last question of the day i promise! x |
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John
New Member
United Kingdom
73 Posts |
Posted - 30 August 2008 : 19:04:33
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Hi andrew
the same answer I'm afraid.
If you use a card for anything other than essential living expenditure you need to make a minimum 2, preferably 3, monthly payments from the time you last used it and going BR.
www.Bankruptcyhelp.org.uk
0800 078 9367 |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 30 August 2008 : 19:07:31
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| and if you dont i take it its a BRU/BRO |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 30 August 2008 : 19:08:35
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| but to all instents and purposes i didnt know i was to be hospitalised |
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John
New Member
United Kingdom
73 Posts |
Posted - 30 August 2008 : 19:08:54
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Hi
it would certainly become a much greater possibility yes.
www.Bankruptcyhelp.org.uk
0800 078 9367 |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 30 August 2008 : 19:09:41
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| is there a time frame for the duration of the BRU |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 30 August 2008 : 19:11:07
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| it would appear i need to sell the goods and make the CC payments quickly |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 30 August 2008 : 20:12:51
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Hi Andrew
When you say time frame what do you mean.
If you can make some payments then that would look better on your part.
JO
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 30 August 2008 : 22:29:26
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| i could pay half my creditors this months payment |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 31 August 2008 : 10:17:10
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Hi Andrew
It is up to you of course, a payment to your creditors before would look better if you have taken additional credit just prior, but dont make yourself short, as previously said the worst case scenario would be a BRU/BRO.
Dont beat yourself up over it, we have all done things that we wish we had done differently and now your trying to correct that.
Good luck mate
Jo
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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its just me (yet again)
