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sjbyron
Average Member
United Kingdom
746 Posts |
 Posted - 04 February 2009 : 10:43:04
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Hi
Went bankrupt last Monday, best thing I have done and cant believe I didnt do it earlier.
Anyway within my 10 minute interview with the OR Examiner, we discussed early discharge from BR, and she said that it depends on a straight forward case - which I have, no issues of misconduct - which is correect, no sudden changes of income - im on Benefits and the staffing levels of the office. She said it could bee 7 months.
However how do they determine that I can have an early discharge, is it a guaranteed thing?
Has anyone got any experience of Liverpool OR and got an early discharge
Thanks
Stu J Byron |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 04 February 2009 : 11:18:32
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ED is not guaranteed. I had a fairly straightforward case and didn't get it. My advice would be expect to do the full 12 months and if you get ED it's a bonus. After all 12 months isn't long when you think we get a fresh start in life!
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
20 IPA payments made, 16 to go - on the home straight! |
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pix1
Average Member
689 Posts |
Posted - 04 February 2009 : 12:34:44
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It is not guaranteed, as Skippy says.
Its probably best not to talk too much about it to the OR. Just leave it to them as they are now running your finances. Keep cooperating right through the process and send back any important forms recorded delivery then confimr they are received.
At some point you will get a form IPOQ with an EDREV letter. This will give you a clue as to whether you will get an ED. You might receive it after about 6 months and, all being well, you would submit it and get discharged about 7 weeks later.
It might be worth trawling the Gazette newspaper to find epople who wqere in the same queue as you on the day you went bankrupt at your local court and monitoring them to see when they start getting discharges.
It is a bit laborious but interesting.
Go to this link
http://www.london-gazette.co.uk/search
Then under the section "Words"
put in the following;
With all the words: petition
With the exact phrase: your first name your surname
the search results should bring up your name
then go to "See PDF"
you can then go back and forward in the pages to find epople who went bankrupt in your court on the same day as you.
Unfortunately, our bankruptcies stay in their for hundreds of years! |
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how do they determine early discharge
