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megan17897
Starting Member
10 Posts |
 Posted - 12 January 2009 : 12:40:21
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Please help
Me and my husband are both considering bankrupsy.Around 4 years ago i started getting into debt, at the time both me and my husband were working full time, and we could afford to pay our debts. Unfortunatley i gave up my permement jub to work for an employment agency,it was better money and they promised me it would be permenent!! typically i was layed off 3 months later! A few moths after that i got caught pregnant, unfortunatley my little boy was born severley disabled, and i had to become his full time carer. I contacted my insurance companies as i had insurance on everything (inclunding insurance on events of becoming a carer) and none of them paid out, as i wasnt in permenent employment. Since then I have just had my home repossessed, luckly i have got a house from my local council that i rent. I am in about £30,000 unsecured debt, and i am quite sure there will be a shortfall on my old house of around £25,000. our income get swallowed by our general living expences, however, my little boy is in receipt of disability living allowance, and motability allowance, i am wanting to know, do the court take this money into account? Allthough this money gets paid into my account, it is not mine, it is solely his for his disability. I have contacted several different places, some have told me they do take it into account, and other have told me they dont. Also the last loan i took out was in september of last year, it was to settle an old car loan and i borrowed an extra £1000, even though i was already in financial difficulty when i took out this loan, at the time i wasnt considering bankrupsy, we only considered it since we found out there was going to be a shortfall on our old property, and also we took it out because it was a case of "needs must" we had just moved into an unfurnished property, with no money what so ever, as my little boy still cannot walk, I had to have carpets, but what will the courts say to that, do i risk prosecution? |
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joella68
Junior Member
United Kingdom
280 Posts |
Posted - 12 January 2009 : 16:52:48
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so sorry to hear you have been having such a tough time, you have come to the right place for support and advice though !
with regards the DLA, you must list it as an income but NO payment order can be attatched to that, i only know that as i too have a disabled child and that was one of my questions, one of the more experienced members will be along soon to hopefully help you out further ;-)
jo
moving forward to new beginnings |
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megan17897
Starting Member
10 Posts |
Posted - 12 January 2009 : 23:21:44
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Thank you very much, thats good news at least.
But im going to need help in filling my forms in, can someone please tell me when i can go?
Thanks Nikki xx |
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joella68
Junior Member
United Kingdom
280 Posts |
Posted - 13 January 2009 : 08:18:15
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nikki, some people are able to get free help from their local citizens advice, but quite a few of us on here have done the forms on our own, and then posted on here any questions they are struggling with, and everyone here is a great help :-)
jo
moving forward to new beginnings |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 13 January 2009 : 08:48:01
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Hi
the site is a great place to get question by question help from people who have gone through the same process. There are also some experts who can help with more technical questions.
The CAB can help with forms but I understand they are limited to around 4 house of help per person. If you call the helpline they can put you in touch wih companies who can do all of the forms for you but would obviously charge for their time.
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
Real People ..... Real Debt Solutions
www.revivauk.com |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 13 January 2009 : 22:43:00
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Hi Megan
We are all here for you no matter what, you can ask us anything and if we can help we will.
Take care and keep posting
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
23 Weeks down
29 to go
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 14 January 2009 : 09:45:28
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Hi Nikki
Just wanted to welcome you to the site and as others have already said, just post your questions and they get answered very quickly. No matter how big or small the question is we are all here.
Good luck 
Jenny
xx
Onwards and Upwards is the way im going :-0)
From "Moneyworries" to "Movin On" in 3 months is fantastic :-))
xx |
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Please helpMe and my husband
