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Originally posted by Housing

hello again David,

I am not sure from your earlier posts whether you are now BR or whether monday is your BR hearing. In any event, I make the following which I hope will assist:-

As Richard P has said offices will vary as will courts.

If you are petitioning on Monday, you will need to take with you your Application for BR (Statement of Affiars). and a copy. The forms must not be signed. You will do that in front of the clerk to the court by swearing or affirming.

You will need the court fee of £510 (assuming you are not in London). The matter then goes before the District judge (DJ) and he/she will stamp your petition and declare you Bankrupt.

He/she will probably ask if you have taken independent advice - you should have done (if you have not already). That will be very informal, the judge will be in his/her chambers, no wigs etc - just another office.

Some do not even see the judge! So do not worry anyway - even if you do see the judge, they will be understanding - no grilling or whatever.

Then you will have an appointment with the Official Receivers staff at their office. This can vary. I went from the court to the ORs office and saw an examiner for an initial interview there and then (that was 2 hours) and then I had another interview booked at the time of the first to go into more detail.

As Richard P has said, that was 10 hours! I think that is some sort of record and not the norm! Even if you do have a long interview, the examiners are human and make you feel comfortable.

All the above is said if you are not yet bankrupt (which I think may be the situation).

If, however, you are already bankrupt, and Monday is your interview then the following may assist you:-

You will be interviewed by one of the examiners from the Official receivers office and that wil be in a private interview room. You will be made to feel comfortable. Do not stess - if you feel stressed, tell the ineterviewer and they will bring in some water or whatever you need.

They will be interested in how you built up the debts and what processes you went through. You will be asked for bank statements and credit card details. (If you are still using credit cards, then you must stop immediately - the OR may want to cut them into pieces - (I did it beforehand and took in the pieces for him!!)

You will be asked about your income and expenditure. My advice is to be open and honest - the worst has already happened and it can only get better post bankruptcy. Believe me, it does get better and that may seem hard to believe at the moment, but please believe me...

Again, as Richard P has said, you may want to take a friend or family member with you. It helps. I took a client with me for the first interview!

There are also Official Receivers offices who only conduct a telephone interview. It does vary on how busy and potentially, how you arrived at bankruptcy and the level of debt.

I have covered briefly both eventualities - i.e. if you are going to court Monday and if you are seeing the Official receiver on Monday (or both!).

I hope it helps and be comforted by the fact that this next hurdle, whilst high, is summountabble and it is on the flat hereinafter! Good luck, Richard



"There are no problems - only solutions..."

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Originally posted by Richard P

Hi Miss babs

which court are you at ?

someone on forum may have been to same court and can give you a hint re process

regards Richard

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