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raniston1984
Starting Member
19 Posts |
 Posted - 30 March 2009 : 00:51:39
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hi I have my court date on tuesday and having many sleepless nights with worry!!
just wanted to check,
I have about £67000 debts that have accumulated since I was 18 years old, I have a mortgaged flat (currently in negative equity) and am currently a student ( in second year). To make ends meet I have been withdrawing cash from my credit cards to pay all payments, and working some cash in hand work to make ends meet as my repayments are about £2000pcm, so have decided to go for bankruptcy as I am exhausted and depressed from this. I have spoken to someone abotu an IVA which I dont qualify for, and tried consolidation loans. I have personal family issues taht I have put on the form, that have led me to addictive spending on crazy amounts, socialising etc to forget my troubles and depression- now I have come to realise I need to file for bankruptcy.
but I am really worried that since my debt is just overspending, which is inevitably irreponsible, is there a risk they wont allow me bankruptcy?I am just desperate for a fresh start. is it likely I will get a BRU? since in 2 years time I wil be a qualified optician, with a good salary.
many thanks for any advice :) |
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ripski
New Member
United Kingdom
90 Posts |
Posted - 30 March 2009 : 08:03:35
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I have the same worry . Felt releived when I made the decision to go Br ,am just starting and now worrying in case the judge says no. I think it is inevitable in our positon tha the worries will continue until it is done.
ripski1 |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
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Caroline
New Member
58 Posts |
Posted - 30 March 2009 : 09:12:50
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Hiya - I've written in before with exactly the same concern - what if they don't let me?!?!?
I've got my appointment for BR this morning so I'll write on the forum later how it goes - keep your fingers crossed for me!! |
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raniston1984
Starting Member
19 Posts |
Posted - 30 March 2009 : 11:32:47
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im going to bmouth court, ive been told theyre nice.do you think theres a risk I wont be allowed?
good luck caroline hope it went well for you? |
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2stressed
New Member
57 Posts |
Posted - 30 March 2009 : 11:36:06
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| I wouldnt worry about what the money ws spent on....I was filling out the forms and couldn't actually think!!!! No extravagant purchases- just spending beyond my means for many yrs and building up interest |
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is there any risk judge wont let me go bankrupt?
