Any one been through bankruptcy?

[pinkystinky]

We were discharged in January thi year, just wondering if anyone else has been through the same

[heavenis]

We haven't been through it but we are about to shortly any advice

[smorg]

i work for the CAB as a money adviser. What did you want to know? I've done some petitions and hearings etc..i'll help if i can!

[heavenis]

I know how to file for bankruptcy but just wondered about things like your landline telephone if you can keep one.
If your husband and wife do you have to file separatly is fee any diggerent. I've looked on the National Debt line web site and that has lost of infromation.
Thanks for any help

[smorg]

Yes for husband and wife, you have to petition for your Bankruptcy seperately. The Official Receiver's fees are £310 and you have to pay the Court fees (around £150)i don't know if these vary nationally but check with your local County Court. You may be exempt from the court fees if you are on benefit.

Regards the land line, it shouldn't be a prob if you have not had payment problems with them previously. Otherwise, the worst that could happen is you may have to pay something up front (rather than a bill for what's been used IYSWIM)

[pinkystinky]

Id like to hear from anyone post bankruptcy. Did you have trouble updateing your credit files?And anything else that you have had difficulty with

[heavenis]

Sorry didn't mean to hi jack your tread

[heavenis]

Thread

[pinkystinky]

Lol, dont worry you havent!!
just thought id say we put the telephone account in mil name just in case of any problems! Our gas and electric bills i managed to pay up to date and a little bit extra...just so they couldnt whack a meter on us!!
If you need any help/advice from someone whos been there and done it,im here!!!