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joella68
Junior Member
United Kingdom
280 Posts |
 Posted - 22 January 2009 : 09:01:21
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when the OR applies for early dischrge what actuelly happens ? am i right in thinking e asks our creditors if they are happy with this, and what happens if they say no ?
moving forward to new beginnings |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 22 January 2009 : 09:25:21
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Hi Joella68,
when the OR is considering early discharge, they'll send you an ED questionairre for the purposes of assessing IPA/IPO p[ayments. In addition, they will write to all of your creditors to see if they have an objection to ED. If not, they'll process the paperwork and send your file back to the court for ED.
If your creditors do object, it would depend on the nature of the objection. Following your initial interview with the OR, the OR would have sent a report to all your creditors, so most objections would happen here and then be investigated. It is rare that ED is declined due to a creditor objection.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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joella68
Junior Member
United Kingdom
280 Posts |
Posted - 22 January 2009 : 09:37:40
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oh thanks julian,
thats fantastic news, the OR aid to me yesterday, that in 3 months time he would send out a I & E form, but was looking for discharhe in 6 months due to it being so straightforward, i could not believe it !
moving forward to new beginnings
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 22 January 2009 : 09:39:44
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Hi Joella68,
If it helps, I was discharged after 7 months. Apparently it would have been earlier, but the examiner at the OR office dealing with my case left and forgot to pass it to a colleague!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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joella68
Junior Member
United Kingdom
280 Posts |
Posted - 22 January 2009 : 09:43:56
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wow fantastic, its sooo strange cos you poop yourself for so long wondering what will happen etc, then to be told on first interview you are looking at early discharge......wow, he didnt want any bank statements etc, just said we filled in the forms so thouroughly that it was all there to see, so thats a top tip for anyone else at the forms stage !!!!
moving forward to new beginnings
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 22 January 2009 : 10:37:49
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Fantastic!!!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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hanlou
New Member
United Kingdom
56 Posts |
Posted - 22 January 2009 : 12:03:21
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| hi does it make any difference to ed on how much debt you actually have hanlou |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 22 January 2009 : 13:28:56
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Hi Hanlou,
The amount of debt makes no difference as to whether you are considered for an ED, it's entirely at the OR's discretion.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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Topic |
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when the OR applies for early dicharge ?
