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janni-jan
Starting Member
United Kingdom
18 Posts |
 Posted - 14 January 2009 : 10:34:59
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well finally bankrupt, we had out appointment at 11 yesterday and were there for about 2 hours, I was like a damp rag at the end of it! I can honestly say though that the staff couldnt have been nicer, the judge even said to me I wasnt to worry and he wasnt there to judge me, just to reassure me that I was aware of the significance of what I was undertaking. The OR phone late afternoon and said he would call again in a fortnight that call took about 15 mins, he says as we only own about 2,800 of the car and its needed for work (my husband works over 40 miles away from were we live)its very unlikely that he will request its sale. we may have gone bankrupt a little early, it looks like we will have to borrow to move into rented accomodation, off a family member of course!but I was going nuts with the worry of it all, we were literally robbing peter to pay paul, today I've re connected the phone and i've already told 3 of my creditors that they need to contact the official receiver, I'm looking forward now instead of panicking and chasing my own tail, if anybody out there is wondering if this is the right step to take please be reassured it is! If your debts are insurmountable they wont go away, the problem needs to be addressed and the relief when the worry stops is indescribable.
Janni-Jan |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 14 January 2009 : 10:37:32
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Congrats Jan
Glad everything went well for you, heres to your new debt free future.
Well done 
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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janni-jan
Starting Member
United Kingdom
18 Posts |
Posted - 14 January 2009 : 10:41:06
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Thanks Jo! whatever we have to pay the OR will be a lot less than if we tried to maintain the debt,we are just waiting for his decision now.
Janni-Jan |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 14 January 2009 : 10:44:51
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Hey Jan
Im so please you are now free of that stress - isnt it great to be able to answer the phone again. 
I hope you find a rental home soon and as long as you are upfront with landlords and estate agents then im sure that you will not have too much a problem - even landlords have debts to pay too 
Take care and keep posting
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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joella68
Junior Member
United Kingdom
280 Posts |
Posted - 14 January 2009 : 10:49:44
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congratulatons and welcome to your new worry-stress-free life, glad it went so well
jo
moving forward to new beginnings |
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janni-jan
Starting Member
United Kingdom
18 Posts |
Posted - 14 January 2009 : 11:04:27
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thanks for the kind thoughts guys, its nice to know your not alone in this!
Janni-Jan |
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s4pps
Junior Member
252 Posts |
Posted - 14 January 2009 : 11:28:44
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Glad to hear it went well for you :) Here's to the future :)
Suzanne x
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coxy
New Member
United Kingdom
63 Posts |
Posted - 14 January 2009 : 22:45:49
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congratulations janni-jan i actually thought you were jumping the gun a bit but youve realised early what needed to be done.
I thought giving up our house would be the hard part and declaring br would be the easy part but its proved the other way round for us.
We are not normally indecisive probably lack courage fear of the unknown.
I bet when you told your creditors to contact the or you put on your best ever telephone voice.
once again congratulations.
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the job is done!
