Joannec wrote:What's worse - going to court to get the Bankruptcy order or the OR's telephone call or meeting?
The latter Jo.
As Lemon posted today the Judge was very sympathetic. I and lots of others I've seen, don't actually get to see the Judge. A clerk takes the papers in and comes back with them stamped "Bankrupt" and that is basically what it is; a rubber stamp process. If you spend five minutes with the Judge that is a long time. S/He often asks if you are sure you know what you are doing and have taken expert advice about bankruptcy (coming here, I think satisfies that.lol) then your papers are stamped. the Judge will be sitting in a small room with just a table and chairs, the Judge will sit behind the desk and you take a seat in front; all very simple.
The OR interview is more nerve racking because you will be feeling guilty and worrying where all the money went but again the OR is just looking at your figures and making sure you haven't stuck a few grand away somewhere and as long as you have told the truth, you will be fine.