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mab
New Member
56 Posts |
 Posted - 20 February 2009 : 10:06:00
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Well Monday is the day of destiny for me.
I feel a bit concerned now I must admit, but I know once tuesday comes I will feel much better.
My question to everyone is do you feel that bankruptcy has had a positive effect on your life? I am kinda of looking at it as a chance to start over financially but also in other aspects like my career choice etc!! (or at least i hope i feel like that tuesday)
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 20 February 2009 : 10:19:00
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The common misperception (big word for a Friday!) is that bankruptcy is some metophoric (even bigger word!) big stick to beat someone over the head with, when in contrast bankruptcy is actually there to give people a second chance, gone are the days of debtor's prisons and punishment for debt and bankruptcy should not be viewd as punishement. Okay there is the risk of a BRO for a small minority of cases where 'wrong doing' is established but thankfully these are few and far between when you take into account how many BO's are made each day.
Good luck for Monday and if you need advice or support over the weekend you know where we all are. Take heed in the many positive posts this week from people who have gone through th eprocess in the last fews days - it really will not be anywhere near as bad as you think!
Many many people go forward with a line drawn under the situation and had the fresh start that bankruptcy is supposed to give, here's hoping it has a positive outcome for you, but remember it is down in part to your state of mind so positive thoughts on the way forward
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
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shirley
New Member
71 Posts |
Posted - 20 February 2009 : 10:52:08
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mab
Had my hearing on Wednesday and OR interview yesterday. It was absolutely fine. I actually slept for 10hrs last night. Its the first time in weeks I woke up in the morning and the world seemed a much brighter place. I can look in the post box in the mornings and answer the telephone without my stomach sinking down to my feet. I have gone through my whole house this morning cleaning which is a bit weird because I hate housework. You will feel a lot better next week. Good luck xx
One day at a time |
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mab
New Member
56 Posts |
Posted - 20 February 2009 : 13:08:46
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Thanks for the responses, it is so nice to come on this site and read the feedback of people who have been through it and there experiences, and how positive they have all been afterwards, and of course the help of the experts. I know Monday will come and go and I expect life will be no different on Tuesday except hopefully a lot less stressful Nno longer worrying about calls from credit cards etc.
The only hurdle that will be left will be keeping hold of my house and car! but I guess its one step at a time.
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sleeplessnights
Junior Member
United Kingdom
256 Posts |
Posted - 20 February 2009 : 14:11:32
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| good luck, you will find (in hindsight) that it was actually very easy |
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s4pps
Junior Member
252 Posts |
Posted - 20 February 2009 : 14:37:59
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Hi mab :)Good luck for Monday. I would say in some ways the BR had an immediate positive effect, but not completely. Only this week we had a bailiff turn up 2 months after the BR date! So I think you need to think that yes, there was an instant relief, but it can take a while to feel like it is all completely in the distance.
Suzanne x
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HELP BR
Starting Member
34 Posts |
Posted - 20 February 2009 : 14:39:16
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I went BR on 10th Jan and it was the best thing I ever did! I feel like a new person! I still have not had details on how to pay my monthly payments back yet but sure I will soon. My interview with the OR was fine and to be honest she was lovely.
Good luck!
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mab
New Member
56 Posts |
Posted - 20 February 2009 : 16:11:05
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Thanks everyone for the replys, I will let you know how it goes, I think tonight Ill put it to the back of my mind and enjoy a few beers, because this time next week it will just be another thing that happened, and Ill be busy planning for the future!
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GUSS
Starting Member
United Kingdom
23 Posts |
Posted - 20 February 2009 : 16:49:14
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your be fine mab we all feel like that, that big
weight will be lifted you can move forward to enjoy
life again
good luck guss |
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leahk
Junior Member
117 Posts |
Posted - 20 February 2009 : 19:01:41
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I did it yesterday and today I feel like I've lost 20 years! - Almost a teenager again.
This time round I don't plan on making the same mistakes.
Try not to worry
Best Wishes
Leah x |
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Monday is the day
