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TROG
Starting Member
United Kingdom
31 Posts |
 Posted - 07 December 2009 : 21:03:28
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Hi All,
Just a quick question, my creditors are starting to contact me for payments that are due, I want to tell them I'm going BR on the 22nd December, but I'm worried that the creditors will suddenly get the bailiffs around before the BR happens. How likely is that?
Thank you for any advice. |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 07 December 2009 : 21:20:30
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Hi Trog,
Do not worry.
The law will protect you - to enable a court bailiff to take action first of all requires your creditor to have taken action against you (normally in the county court) - and to have a judgement against you - some creditors (local authorities for example) can take action in the magistrates court for council tax etc. However, to enter your property they require a warrant of execution. No warrant, then do not let them in!
Tell your creditors that you are petitioning for BR and that they are to be included in your BR petition.
You only have a week or just a bit more hang in there - do not be intimidated by their threats - they are very shallow and often attempt to act against your legal rights. Have a look on the National Debtline website or the CAB website - they will confirm your rights.
When I went BR, I changed my landline - free to do and ensure you go ex directory, if you are not already so - that takes about a week - 10 days normally.
If you have a contract mobile phone - change to a pay as you go - you may be including your contract phone as a creditor in your BR anyway!!
Be strong and after the petition, it is a breath of freedom and although still with some stresses and strains - to be debt free is a good way to be....
Good luck and I am sure some of the experts wil post in reply. Richard
"There are no problems - only solutions..." |
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TROG
Starting Member
United Kingdom
31 Posts |
Posted - 07 December 2009 : 22:05:54
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Thanks again Housing,
Just so worried about what may/may not happen. |
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Srrs
Starting Member
33 Posts |
Posted - 07 December 2009 : 22:14:26
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Hi Trog,
As Richard said just tell them. I told all mine and I still had about 6 weeks before I went BR.
Some of them were really rude but just be brave (I'm sure you are!!!) they wont have time to do anything.
It is such a relief once its done and the calls stop.
Not long to go now. Good luck, it will all be fine.
x x |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 07 December 2009 : 22:50:41
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Trog
Remember my simple motto - there are no problems - only solutions...
I live on that glimmer of hope and there are many worse off that us and between us we can beat the bast****!!!
Do sleep well my friend, Richard
"There are no problems - only solutions..." |
Edited by - Housing on 07 December 2009 22:51:30 |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 08 December 2009 : 07:33:30
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I told mine 1 month before declaring BR and then never answered the phone again. You aren't obliged to keep your creditors up to speed on your plans but it is normally recommended.
Once you tell them you are declaring BR they WILL step up the pressure as they realise their money will be lost but it doesn't mean you have to speak to them. |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 08 December 2009 : 08:20:43
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The best advice is to just state I have a bankruptcy hearing on....at.....County Court. This will stop the creditors taking any action against you and can also reduce the numbers of calls etc that you receive
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
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Hi All,Just a quick question
