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coxy
New Member
United Kingdom
63 Posts |
 Posted - 13 January 2009 : 10:02:40
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my wife and myself are going bankrupt in the next few weeks,we gave up our home last january-handed back the keys-we are still in negative equity.
we have been renting a property,through a private landlord,whom is a nice enough guy,however we have been told that he will be informed of the bankrupsy,and also my wifes employers,she works in care.
we are both really worried that due to myself being out of work,that we could be homeless and my wife lose her job!we can see ourselves living in a tent-living off of road-kill,and raiding allotments,just to survive!!!sorry about the mad minute,needed that!otherwise id be crying!!-thaught about living in a caravan too-but we cant get a pitch! why do landlords and employers need to be informed? we are still good and honest people. |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 13 January 2009 : 10:15:08
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Coxy
The OR should not contact your wifes employer as such, the only time they will be contcated is via the payroll to start an Nil tax code IPA so i would say thats safe.
As for your home, i would say that would be ok too. Have a look at the agreement and see if bankruptcy is mentioned, if you are really worried then contact the agents/landlord anonymously or if your on good terms maybe you could have a quiet chat.
I would say that as long as you have been paying the rent and on time and that the landlord has no quarms with you then you should be ok, they would rather have money for rental than an empty property.
Please dont panic you wont end up in a tent, if they did decide to ask you to go you would get notice and then can go and see your local housing authority.
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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coxy
New Member
United Kingdom
63 Posts |
Posted - 13 January 2009 : 21:35:09
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Thanks for the advice Jo
been reading some of the posts on this site I wish id found it a year ago we would of probably gone for br then and been discharged by now.
instead its been shall we sharnt we things can only get better but its just delaying the inevitable.
can never remember stress like this could do with growing another brain this ones overloaded. |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 13 January 2009 : 21:38:37
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Hi Coxy
It will get sorted out and before you know it you will be posting on here saying "Now when i went .................." blah blah.
I wish i had done it sooner but hey i am so glad that i did it when i did.
I have a life again, the stress almost disapeared over night once we had gone BR, just sorting our home out now.
Keep posting and keep smiling
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 : 09:58:09
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Hi Coxy and welcome 
I just wanted to second all thet Jo has said really - please dont go down the route of 'what if's' as we are all guilty of that im sure  .
You have found a wonderful site and will get endless amounts of advice and support etc.
Take care
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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can anyone help
